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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 $2.6MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $108.0M24%Noninterest $33.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.60%, up 35 bps year over year; NIM at 3.90%.
  • 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.

Return on Assets (quarter, annualized)

1.60%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.90%+33 bps YoY

Efficiency Ratio (quarter, annualized)

46.59%-876 bps YoY

Tier 1 Leverage Ratio

14.50%-19 bps YoY

NIM

4.34%Q2 ’244.89%Q2 ’255.25%Q2 ’26+22%+9%

Non-interest income vs. expense

1.82%Q2 ’242.07%Q2 ’251.88%Q2 ’26+16%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.10%1.28%1.24%1.50%1.46%1.57%1.60%+35 bps
Return on Equity6.80%7.20%8.27%7.84%9.25%9.02%9.98%10.29%+245 bps
Net Interest Margin3.19%3.30%3.30%3.57%3.72%3.96%3.96%3.90%+33 bps
Efficiency Ratio57.24%59.52%51.42%55.35%47.70%54.98%47.27%46.59%-876 bps
Non-Interest Burden1.73%1.86%1.61%1.86%1.68%2.09%1.78%1.70%-16 bps
Growth
Asset Growth (YoY)-5.34%-5.27%2.23%-1.27%1.50%2.67%5.96%9.00%+1,027 bps
Loan Growth (YoY)1.83%2.04%2.93%-0.12%4.22%7.03%5.98%5.62%+574 bps
Deposit Growth (YoY)1.35%1.82%0.74%-3.20%0.22%1.63%6.02%9.75%+1,295 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.34%0.32%0.00%0.00%0.00%-33 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.44%1.44%1.46%1.47%1.42%1.39%1.43%1.45%-2 bps
Allowance Coverage of NPLs123.3x149.2x115.7x4.4x4.4xn/an/a395.0x+390.6x
Capital
Tier 1 Leverage Ratio14.26%14.22%13.99%14.69%14.95%14.45%14.75%14.50%-19 bps
Total Risk-Based Capital14.26%14.22%13.99%14.69%14.95%14.45%14.75%14.50%-19 bps
Equity / Assets15.21%15.44%15.50%16.24%16.18%16.12%15.42%15.65%-59 bps
Liquidity & Funding
Loans / Deposits77.95%78.99%76.61%80.02%81.06%83.19%76.58%77.00%-301 bps
Liquid Assets / Assets13.65%12.01%13.12%8.24%9.06%8.70%11.93%8.84%+60 bps
CRE / Total Capitaln/an/an/an/a56.57%57.29%56.03%n/an/a