Dysart State Bank

Dysart, IowaFDIC Cert #17441

STATEEstablished 19341 branch

Holding company: DYSART BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$74K
Investor CRE	$191K
Multifamily	$0
Construction	$0
1–4 family	$4.94M
C&I	$277K
Agriculture	$6.35M
Other	$399K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$12.2M

+6.6%y/y

Percentile by value19th percentileby value

FDICLNLSGR

Net loans

$12.1M

+6.6%y/y

Percentile by value19th percentileby value

FDICLNLSNET

Loans YoY

+6.55%

−19.4%y/y

Percentile by value67th percentileby value

FDICLNLSNET

L/D

88.0%

+6.5%y/y

Percentile by value83rd percentileby value

FDICLNLSNET + DEP

Loans/assets

71.0%

+11.6%y/y

Percentile by value81st percentileby value

FDICLNLSNET + ASSET

RE loans %

72.18%

−0.6%y/y

Percentile by value56th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

−58.8%y/y

Percentile by value34th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,014points

+6.1%y/y

Peer standing41st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.61%

−45.3%y/y

Percentile by value27th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.56%

−56.1%y/y

Percentile by value35th percentileby value

FDICLNRENROT + LNLSGR

C&I %

2.27%

−49.2%y/y

Percentile by value13th percentileby value

FDICLNCI + LNLSGR