TS Bank: how it compares with its peers
Against 104 IA banks with half to twice its assets, TS Bank's strongest measure in Q2 2026 is return on assets (2.21% vs. a 1.41% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $8.4M).
| Measure | TS Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.21% | 1.41% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.73% | 3.65% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.20% | 55.26% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $8.4M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.83% | 84.49% | Context |
What it means for lending operations
Its efficiency ratio of 51.20% is better than the 55.26% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- FreedomBank Elkader, IA · $434M
- Maquoketa State Bank Maquoketa, IA · $429M
- Waukon State Bank Waukon, IA · $427M
- Farmers Trust and Savings Bank Buffalo Center, IA · $423M
- Central State Bank Coralville, IA · $419M
- GreatAmerica Bank National Association Cedar Rapids, IA · $450M
Questions about TS Bank
How big is TS Bank?
TS Bank, established in 1923, is headquartered in Treynor, IA. It reported $433M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is TS Bank's return on assets?
2.21% annualized in Q2 2026, against a 1.41% median for 104 IA banks with half to twice its assets, ahead of 94% of them.
What is TS Bank's efficiency ratio?
51.20% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 55.26%, and lower is better.
Is TS Bank growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits shrank 10.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.