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TS Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14812

Treynor, IA

7 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits -10.1% year over year ($387.4M on the books).
  • Delinquency rate 1.43%.
  • Return on assets 2.21%.
  • Efficiency ratio 51.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

TS Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 5.6% in tier
  • + Profitability Leader: Top 6.5% in tier
  • + Efficiency Ratio 13.27% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 27.3% in tier
  • - Net Interest Margin 1.26% below tier average
  • - Delinquency Rate 0.51% above tier average
Get updates when TS Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $432.7M
-6.5% YoY -5.8% QoQ
+$46.2M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $231.8M
+6.5% YoY -3.2% QoQ
-$26.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $387.4M
-10.1% YoY -4.8% QoQ
+$60.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 2.21%
+287.2% YoY -46.4% QoQ
+0.88% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 8.8% in tier
Net Interest Margin ? 2.73%
+4.3% YoY -1.2% QoQ
-1.26% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 5.3% in tier
Efficiency Ratio ? 51.20%
-34.8% YoY +51.1% QoQ
-13.27% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 1.43%
+271.4% YoY +138.7% QoQ
+0.51% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 59.83%
+18.5% YoY +1.7% QoQ
-18.13% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 10.98%
+8.3% YoY +20.5% QoQ
-11.05% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 12.5% in tier
Nonperforming Asset Ratio ? 1.29%
+45.6% YoY +56.8% QoQ
+0.62% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 15.0% in tier
Tier 1 Capital Ratio ? 12.81%
+21.2% YoY +4.7% QoQ
-3.10% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 2.09%
+302.5% YoY +31.1% QoQ
+1.53% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 1.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 11.0%
+0.8pp YoY
+1.9pp QoQ
 -11.2pp 22.1% 17.8% 22.2% 12%
Brokered Deposits 36.4%
-1.2pp YoY
+0.3pp QoQ
 +28.5pp 7.9% 6.0% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 20.1%
+1.4pp YoY
-1.1pp QoQ
 +8.6pp 11.6% 12.8% 12.5% 88%
CRE 27.1%
+3.4pp YoY
0.0pp QoQ
 -12.4pp 39.5% 28.3% 41.4% 30%
1-4 Family 8.0%
+1.0pp YoY
+1.0pp QoQ
 -24.6pp 32.6% 23.0% 31.3% 8%
Consumer 3.8%
-0.6pp YoY
-0.1pp QoQ
 -0.3pp 4.1% 2.9% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 12.8%
+2.2pp YoY
+0.6pp QoQ
 -6.0pp 18.8% 15.4% 19.7% 25%
Leverage Ratio 10.6%
+2.2pp YoY
+0.4pp QoQ
 -1.6pp 12.2% 12.4% 12.6% 43%
Total Capital Ratio 13.6%
+2.3pp YoY
+0.5pp QoQ
 -6.4pp 19.9% 16.5% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 88
-13 (-12.9%) YoY
+1 (+1.1%) QoQ
 +29 58 64 482 82%
Assets per Employee ($) $4.9M
+7.3% YoY
-6.9% QoQ
 -$2.6M $7.5M $8.9M $8.8M 14%
Branch Count 7
-1 (-12.5%) YoY
0 QoQ
 +2 4 5 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 1.3%
+1.1pp YoY
+0.9pp QoQ
 +1.0pp 0.3% 0.4% 0.4% 94%
Nonaccrual 1.1%
-0.5pp YoY
-0.1pp QoQ
 +0.2pp 0.9% 1.0% 1.0% 74%
Allowance Coverage 0.82x
-70.3% YoY
-59.3% QoQ
 -23.34x 24.15x 18.97x 20.23x 21%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 41.8%
+25.7pp YoY
-41.6pp QoQ
 +29.6pp 12.2% 12.8% 11.6% 99%
Cost of Funds (YTD) 2.7%
-0.1pp YoY
+0.2pp QoQ
 +1.0pp 1.7% 1.8% 1.7% 93%
Net Income ($, YTD) $4.9M
+271.9% YoY
— QoQ
 +$2.3M $2.6M $4.0M $40.4M 87%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#38 of 661 • Top 5.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 2.09%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Profitability Leader

growth
#44 of 661 • Top 6.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Deposit Outflow

decline
#147 of 535 • Bottom 27.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

41
Non-Interest Income / Assets
revenue_mix
Value: 2.09%
Peer Median: 0.57%
#41 of 2643 Top 1.5% in $100M-$1B
233
Return on Assets
profitability
Value: 2.21%
Peer Median: 1.32%
#233 of 2643 Top 8.8% in $100M-$1B
450
Loan-to-Deposit Ratio
liquidity
Value: 59.83%
Peer Median: 77.95%
#450 of 2643 Top 17.0% in $100M-$1B
514
Efficiency Ratio
profitability
Value: 51.20%
Peer Median: 64.48%
#514 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (4 metrics)

2503
Net Interest Margin
profitability
Value: 2.73%
Peer Median: 3.99%
#2503 of 2643 Bottom 5.3% in $100M-$1B
2313
Non-Interest-Bearing Deposit Share
funding
Value: 10.98%
Peer Median: 22.03%
#2313 of 2643 Bottom 12.5% in $100M-$1B
2248
Nonperforming Asset Ratio
credit_quality
Value: 1.29%
Peer Median: 0.67%
#2248 of 2643 Bottom 15.0% in $100M-$1B
2122
Delinquency Rate
credit_quality
Value: 1.43%
Peer Median: 0.92%
#2122 of 2633 Bottom 19.4% in $100M-$1B
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