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Templeton Savings Bank

Templeton, IA · Cert 969

State charter, Fed member · FED · 2 branches

Q2 2026

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: Q2 2026, the quarter ended June 30, 2026, 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=134 to 135). 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer 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

Templeton Savings Bank

Templeton, IA · Cert 969

State charter, Fed member · FED · 2 branches

Q2 2026

$169.6MAssets
$109.2MLoans
$141.9MDeposits
$26.6MEquity
Loan mix
90%RE $79.6M7%C&I $6.6M3%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $108.0M24%Noninterest $33.9MQ2 2025Q2 2026

NIM

4.29%Q2 ’244.82%Q2 ’255.17%Q2 ’26+19%+10%

Non-interest income vs. expense

1.79%Q2 ’241.94%Q2 ’251.85%Q2 ’26+9%-3%

Executive Summary

  • Earnings: ROA of 1.59%, up 33 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (-33 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.50%, down 19 bps from a year ago.
  • Funding: loans stand at 77.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+36 bps YoY

Efficiency Ratio (YTD, annualized)

46.93%-652 bps YoY

Tier 1 Leverage Ratio

14.50%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.34%1.37%1.57%1.59%+33 bps
Return on Equity8.06%8.47%8.62%9.98%10.14%+207 bps
Net Interest Margin3.49%3.56%3.58%3.96%3.85%+36 bps
Efficiency Ratio53.45%51.47%52.43%47.27%46.93%-652 bps
Non-Interest Burden1.76%1.73%1.78%1.78%1.71%-5 bps
Growth
Asset Growth (YoY)-1.27%1.50%2.67%5.96%9.00%+1,027 bps
Loan Growth (YoY)-0.12%4.22%7.03%5.98%5.62%+574 bps
Deposit Growth (YoY)-3.20%0.22%1.63%6.02%9.75%+1,295 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.32%0.00%0.00%0.00%-33 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.47%1.42%1.39%1.43%1.45%-2 bps
Allowance Coverage of NPLs4.4x4.4xn/an/a395.0x+390.6x
Capital
Tier 1 Leverage Ratio14.69%14.95%14.45%14.75%14.50%-19 bps
Total Risk-Based Capital14.69%14.95%14.45%14.75%14.50%-19 bps
Equity / Assets16.24%16.18%16.12%15.42%15.65%-59 bps
Liquidity & Funding
Loans / Deposits80.02%81.06%83.19%76.58%77.00%-301 bps
Liquid Assets / Assets8.24%9.06%8.70%11.93%8.84%+60 bps
CRE / Total Capitaln/a56.57%57.29%56.03%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

Templeton Savings Bank

Templeton, IA · Cert 969 · Peer group: banks under $1B in assets in IA (n=134-135)

State charter, Fed member · FED · 2 branches

Q2 2026

$169.6MAssets
$109.2MLoans
$141.9MDeposits
$26.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in IA (rank 19 of 135).
  • Widest gap: return on equity trails 54% of banks under $1B in assets in IA (rank 73 of 135).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.56%

Rank 28 of 135

Net Interest Margin

3.85%

Rank 24 of 135

Efficiency Ratio

46.93%

Rank 23 of 135

Equity / Assets

15.65%

Rank 19 of 135

Non-interest income vs. expense

$0.3M$3.2MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 84% of banks under $1B in assets in IA
Bank 46.93%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.92%1.19%1.47%Beats 79%28 / 135
Return on Equity10.00%7.99%10.26%13.14%Beats 46%73 / 135
Net Interest Margin3.85%2.95%3.41%3.73%Beats 82%24 / 135
Efficiency Ratio46.93%50.61%57.35%63.29%Beats 84%23 / 135
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.51%1.26%Beats 83%24 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 64%52 / 134
Capital
Tier 1 Capital Ratio14.50%11.23%13.31%15.45%Beats 64%48 / 135
Total Risk-Based Capital Ratio14.50%11.61%14.06%16.47%Beats 57%58 / 135
Equity / Assets15.65%9.87%11.05%13.07%Beats 86%19 / 135
Liquidity & Funding
Loans / Deposits77.00%68.54%81.55%91.24%40th pctl80 / 134
Loans / Assets64.40%57.61%68.06%76.23%41st pctl80 / 135
Brokered Deposits / Depositsn/aNot reported for this institution