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Crawford County Trust and Savings Bank

Denison, IA · Cert 8511 · Viking Corp. the

State charter, non-member · FDIC · 3 branches

Q2 2026

$294.5MAssets
$192.8MLoans
$267.2MDeposits
$26.0MEquity
Loan mix
84%RE $80.8M9%C&I $8.7M7%Consumer $6.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $217.0M19%Noninterest $50.3MQ2 2025Q2 2026

NIM

4.62%Q2 ’244.88%Q2 ’254.86%Q2 ’26+6%+8%

Non-interest income vs. expense

1.70%Q2 ’241.69%Q2 ’251.87%Q2 ’26+2%+12%

Executive Summary

  • Earnings: ROA of 1.55%, up 1 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.03% of loans (-196 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 9.93%, up 67 bps from a year ago.
  • Funding: loans stand at 72.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.55%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+26 bps YoY

Efficiency Ratio (quarter, annualized)

48.05%+127 bps YoY

Tier 1 Leverage Ratio

9.93%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.58%1.57%1.55%1.55%+1 bps
Return on Equity19.20%18.62%18.09%17.63%17.45%-175 bps
Net Interest Margin3.27%3.44%3.43%3.43%3.53%+26 bps
Efficiency Ratio46.78%47.31%47.33%48.01%48.05%+127 bps
Non-Interest Burden1.34%1.45%1.43%1.47%1.51%+17 bps
Growth
Asset Growth (YoY)2.26%2.45%4.27%0.59%6.45%+420 bps
Loan Growth (YoY)-0.87%-1.17%1.99%-2.18%0.23%+110 bps
Deposit Growth (YoY)0.74%1.45%2.85%-0.82%5.94%+520 bps
Asset Quality
Nonperforming Loans / Loans2.00%0.24%0.18%0.19%0.03%-196 bps
Net Charge-Offs / Loans0.04%-0.02%0.02%0.02%0.09%+5 bps
Allowance / Loans1.16%1.17%1.13%1.18%1.17%+1 bps
Allowance Coverage of NPLs0.6x4.9x6.4x6.3x37.0x+36.4x
Capital
Tier 1 Leverage Ratio9.26%9.63%9.63%9.84%9.93%+67 bps
Total Risk-Based Capital14.01%14.50%14.30%15.24%15.50%+149 bps
Equity / Assets8.33%8.67%8.71%8.89%8.83%+50 bps
Liquidity & Funding
Loans / Deposits76.26%75.87%76.33%74.09%72.15%-411 bps
Liquid Assets / Assets3.75%5.37%3.78%4.70%7.41%+367 bps
CRE / Total Capitaln/a34.60%32.24%33.68%n/an/a