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Iowa State Savings Bank

Creston, IA · Cert 8751 · Ames National Corp.

State charter, non-member · FDIC · 5 affiliate banks · 3 branches (19 in holding)

Q2 2026

$276.5MAssets
$164.2MLoans
$246.2MDeposits
$27.3MEquity
Loan mix
89%RE $107.7M8%C&I $9.4M3%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $215.8M12%Noninterest $30.4MQ2 2025Q2 2026

NIM

4.26%Q2 ’244.41%Q2 ’254.63%Q2 ’26+3%+17%

Non-interest income vs. expense

2.16%Q2 ’241.90%Q2 ’252.07%Q2 ’26-11%+8%

Executive Summary

  • Earnings: ROA of 1.40%, up 25 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.20% of loans (+19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.40%, up 31 bps from a year ago.
  • Funding: loans stand at 66.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+52 bps YoY

Efficiency Ratio (YTD, annualized)

52.62%-361 bps YoY

Tier 1 Leverage Ratio

9.40%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.06%1.03%1.46%1.40%+25 bps
Return on Equity12.75%11.63%11.16%15.38%14.56%+181 bps
Net Interest Margin2.99%3.05%3.14%3.41%3.51%+52 bps
Efficiency Ratio56.23%56.50%55.62%51.63%52.62%-361 bps
Non-Interest Burden1.58%1.62%1.64%1.59%1.71%+13 bps
Growth
Asset Growth (YoY)10.77%9.35%4.58%0.45%-2.73%-1,350 bps
Loan Growth (YoY)-2.34%-3.41%-0.74%-0.36%5.80%+815 bps
Deposit Growth (YoY)8.44%8.52%4.58%1.06%-0.66%-910 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.44%0.21%0.21%0.20%+19 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%+1 bps
Allowance / Loans1.30%1.41%1.52%1.51%1.50%+20 bps
Allowance Coverage of NPLs183.7x3.2x7.4x7.3x7.5x-176.3x
Capital
Tier 1 Leverage Ratio9.09%9.17%9.27%9.32%9.40%+31 bps
Total Risk-Based Capital16.56%16.64%15.81%16.58%16.49%-7 bps
Equity / Assets9.19%9.49%9.61%9.36%9.87%+68 bps
Liquidity & Funding
Loans / Deposits62.61%62.63%66.35%62.97%66.68%+408 bps
Liquid Assets / Assets13.90%11.29%6.73%7.13%2.93%-1,097 bps
CRE / Total Capitaln/a57.99%58.74%62.98%n/an/a