PackageTrendsPeer
Letter portraitLegal landscape

State Savings Bank

Rake, IA · Cert 8513

FDIC · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IA (n=137 to 138). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q3 2025peer median (50)

Asset Quality

30

Q2 2024Q3 2025peer median (50)

Profitability

79

Q2 2024Q3 2025peer median (50)

Liquidity

45

Q2 2024Q3 2025peer median

Efficiency

98

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Savings Bank

Rake, IA · Cert 8513

FDIC · 1 branch

Q3 2025

$82.0MAssets
$62.1MLoans
$68.4MDeposits
$12.3MEquity
Loan mix
61%RE $20.3M37%C&I $12.3M1%Consumer $0.5MQ3 2024Q3 2025
Deposit mix
92%Interest-bearing $63.0M8%Noninterest $5.5MQ3 2024Q3 2025

NIM

5.31%Q3 ’236.58%Q3 ’246.50%Q3 ’25+7%-1%

Non-interest income vs. expense

1.31%Q3 ’231.32%Q3 ’241.33%Q3 ’25+1%+0%

Executive Summary

  • Earnings: ROA of 1.71%, down 2 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.52% of loans (-30 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 15.06%, up 67 bps from a year ago.
  • Funding: loans stand at 90.79% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.71%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-3 bps YoY

Efficiency Ratio (YTD, annualized)

36.89%+53 bps YoY

Tier 1 Leverage Ratio

15.06%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.73%1.58%1.51%1.62%1.71%-2 bps
Return on Equity12.75%11.54%10.75%11.36%11.83%-92 bps
Net Interest Margin3.56%3.52%3.20%3.45%3.53%-3 bps
Efficiency Ratio36.36%41.33%39.85%38.48%36.89%+53 bps
Non-Interest Burden1.25%1.42%1.24%1.29%1.26%0 bps
Growth
Asset Growth (YoY)1.36%-2.54%3.23%0.44%1.37%0 bps
Loan Growth (YoY)6.97%-1.77%1.39%7.35%4.97%-200 bps
Deposit Growth (YoY)-0.36%5.00%2.43%-0.69%0.62%+98 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.84%0.56%0.52%0.52%-30 bps
Net Charge-Offs / Loans0.00%0.05%0.39%0.19%0.13%+13 bps
Allowance / Loans1.90%1.88%1.68%1.63%1.66%-24 bps
Allowance Coverage of NPLs2.3x2.2x3.0x3.2x3.2x+0.9x
Capital
Tier 1 Leverage Ratio14.39%14.04%14.00%14.69%15.06%+67 bps
Total Risk-Based Capital14.39%14.04%14.00%14.69%15.06%+67 bps
Equity / Assets14.30%13.95%14.09%14.83%15.01%+71 bps
Liquidity & Funding
Loans / Deposits87.04%84.90%88.50%94.24%90.79%+376 bps
Liquid Assets / Assets15.13%17.85%16.41%15.93%13.90%-123 bps
CRE / Total Capitaln/an/an/an/a20.98%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Savings Bank

Rake, IA · Cert 8513 · Peer group: banks under $1B in assets in IA (n=137-138)

FDIC · 1 branch

Q3 2025

$82.0MAssets
$62.1MLoans
$68.4MDeposits
$12.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets in IA (rank 4 of 138).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in IA (rank 121 of 137).
  • Overall: at or above the peer median on 7 of 10 directional measures.

Return on Assets

1.70%

Rank 9 of 138

Net Interest Margin

3.53%

Rank 38 of 138

Efficiency Ratio

36.89%

Rank 4 of 138

Equity / Assets

15.01%

Rank 18 of 138

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 98% of banks under $1B in assets in IA
Bank 36.89%Peer median 59.3%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.77%1.06%1.30%Beats 93%9 / 138
Return on Equity11.30%6.40%9.09%11.62%Beats 72%39 / 138
Net Interest Margin3.53%2.70%3.13%3.56%Beats 72%38 / 138
Efficiency Ratio36.89%53.09%59.26%67.99%Beats 98%4 / 138
Asset Quality
Nonperforming Loans / Loans0.52%0.04%0.47%1.25%Beats 47%73 / 137
Net Charge-Offs / Loans0.16%0.00%0.02%0.08%Beats 12%121 / 137
Capital
Tier 1 Capital Ratio15.06%11.37%13.38%15.15%Beats 73%37 / 138
Total Risk-Based Capital Ratio15.06%12.00%13.96%16.13%Beats 67%46 / 138
Equity / Assets15.01%9.48%10.77%12.91%Beats 87%18 / 138
Liquidity & Funding
Loans / Deposits90.79%68.19%79.46%91.33%72nd pctl39 / 137
Loans / Assets75.75%57.14%66.90%75.36%77th pctl32 / 137
Brokered Deposits / Deposits4.19%n/an/a2.54%Beats 18%113 / 137