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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 1.59%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.00%1.28%1.27%1.34%1.37%1.57%1.59%+33 bps
Return on Equity6.66%6.81%8.27%8.06%8.47%8.62%9.98%10.14%+207 bps
Net Interest Margin3.01%3.06%3.30%3.49%3.56%3.58%3.96%3.85%+36 bps
Efficiency Ratio57.82%58.28%51.42%53.45%51.47%52.43%47.27%46.93%-652 bps
Non-Interest Burden1.64%1.69%1.61%1.76%1.73%1.78%1.78%1.71%-5 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