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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 $6.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $217.0M19%Noninterest $50.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.54%, up 13 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.03% of loans (-196 bps YoY), with net charge-offs at 0.05%.
  • 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.

Return on Assets (YTD, annualized)

1.54%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+28 bps YoY

Efficiency Ratio (YTD, annualized)

48.03%-97 bps YoY

Tier 1 Leverage Ratio

9.93%+67 bps YoY

NIM

4.46%Q2 ’244.74%Q2 ’254.78%Q2 ’26+6%+9%

Non-interest income vs. expense

1.69%Q2 ’241.72%Q2 ’251.82%Q2 ’26+5%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.35%1.28%1.42%1.47%1.50%1.55%1.54%+13 bps
Return on Equity18.48%19.07%16.87%18.08%18.27%18.29%17.63%17.51%-57 bps
Net Interest Margin3.07%3.03%3.12%3.16%3.29%3.28%3.43%3.45%+28 bps
Efficiency Ratio49.96%48.90%51.37%49.00%48.41%48.13%48.01%48.03%-97 bps
Non-Interest Burden1.34%1.29%1.44%1.38%1.42%1.40%1.47%1.47%+10 bps
Growth
Asset Growth (YoY)2.48%2.31%2.89%2.26%2.45%4.27%0.59%6.45%+420 bps
Loan Growth (YoY)1.89%0.85%1.48%-0.87%-1.17%1.99%-2.18%0.23%+110 bps
Deposit Growth (YoY)4.53%2.65%1.73%0.74%1.45%2.85%-0.82%5.94%+520 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.25%0.24%2.00%0.24%0.18%0.19%0.03%-196 bps
Net Charge-Offs / Loans0.10%0.08%0.00%0.02%0.00%0.01%0.02%0.05%+3 bps
Allowance / Loans1.13%1.14%1.15%1.16%1.17%1.13%1.18%1.17%+1 bps
Allowance Coverage of NPLs4.7x4.6x4.8x0.6x4.9x6.4x6.3x37.0x+36.4x
Capital
Tier 1 Leverage Ratio9.03%8.98%9.21%9.26%9.63%9.63%9.84%9.93%+67 bps
Total Risk-Based Capital13.01%13.21%13.57%14.01%14.50%14.30%15.24%15.50%+149 bps
Equity / Assets7.72%7.44%7.72%8.33%8.67%8.71%8.89%8.83%+50 bps
Liquidity & Funding
Loans / Deposits77.88%76.97%75.12%76.26%75.87%76.33%74.09%72.15%-411 bps
Liquid Assets / Assets3.73%4.25%5.89%3.75%5.37%3.78%4.70%7.41%+367 bps
CRE / Total Capitaln/an/an/an/a34.60%32.24%33.68%n/an/a