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Security First Bank of North Dakota

New Salem, ND · Cert 11519 · Oliver Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security First Bank of North Dakota

New Salem, ND · Cert 11519 · Oliver Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$293.2MAssets
$232.0MLoans
$246.8MDeposits
$37.8MEquity
Loan mix
85%RE $142.1M12%C&I $20.6M2%Consumer $3.5MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $198.7M20%Noninterest $48.2MQ2 2025Q2 2026

NIM

5.60%Q2 ’245.79%Q2 ’255.54%Q2 ’26+8%0%

Non-interest income vs. expense

2.97%Q2 ’242.90%Q2 ’252.93%Q2 ’26-3%+2%

Market Position · Bismarck, ND · 2026 SOD (annual) · 3.6% share · #10 of 18 inst. · $0.2B of $6.9B

10.2% Morton
1.2% Burleigh
100.0% Oliver

Executive Summary

  • Earnings: ROA of 1.46%, down 3 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.00% of loans (-194 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.99%, up 72 bps from a year ago.
  • Funding: loans stand at 93.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.42%-1 bps YoY

Efficiency Ratio (YTD, annualized)

61.48%+86 bps YoY

Tier 1 Leverage Ratio

12.99%+72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.43%1.47%1.41%1.46%-3 bps
Return on Equity12.74%12.04%12.30%11.35%11.63%-111 bps
Net Interest Margin4.42%4.54%4.54%4.43%4.42%-1 bps
Efficiency Ratio60.63%58.67%59.10%61.19%61.48%+86 bps
Non-Interest Burden2.54%2.49%2.53%2.57%2.58%+4 bps
Growth
Asset Growth (YoY)5.93%5.22%4.97%7.04%5.55%-38 bps
Loan Growth (YoY)5.26%7.43%1.32%-1.34%-0.09%-534 bps
Deposit Growth (YoY)13.36%9.46%9.22%6.72%4.89%-847 bps
Asset Quality
Nonperforming Loans / Loans1.94%1.78%0.99%1.00%0.00%-194 bps
Net Charge-Offs / Loans0.00%0.00%0.84%0.13%0.00%0 bps
Allowance / Loans2.07%2.18%1.40%1.45%1.42%-65 bps
Allowance Coverage of NPLs1.1x1.2x1.4x1.4xn/an/a
Capital
Tier 1 Leverage Ratio12.28%12.59%12.89%12.99%12.99%+72 bps
Total Risk-Based Capital12.28%12.59%12.89%12.99%12.99%+72 bps
Equity / Assets12.01%12.27%12.46%12.38%12.89%+88 bps
Liquidity & Funding
Loans / Deposits98.65%102.60%97.80%88.54%93.97%-468 bps
Liquid Assets / Assets0.13%0.14%0.10%0.08%0.09%-4 bps
CRE / Total Capitaln/a309%264%239%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Security First Bank of North Dakota

New Salem, ND · Cert 11519 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Oliver Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$293.2MAssets
$232.0MLoans
$246.8MDeposits
$37.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
  • Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets operating in a single state (rank 538 of 751).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.45%

Rank 186 of 755

Net Interest Margin

4.42%

Rank 118 of 755

Efficiency Ratio

61.48%

Rank 309 of 755

Equity / Assets

12.89%

Rank 203 of 755

Non-interest income vs. expense

$1.0M$8.6MINCOMEEXPENSE
Unfavorable gap of $7.6M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state
Bank 61.48%Peer median 64.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.72%1.06%1.45%Beats 75%186 / 755
Return on Equity11.28%6.66%10.44%13.61%Beats 58%317 / 755
Net Interest Margin4.42%3.15%3.68%4.17%Beats 84%118 / 755
Efficiency Ratio61.48%55.75%64.78%75.61%Beats 59%309 / 755
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.05%Beats 100%108 / 751
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 28%538 / 751
Capital
Tier 1 Capital Ratio12.99%11.56%13.81%17.74%Beats 42%439 / 755
Total Risk-Based Capital Ratio12.99%11.72%14.46%18.53%Beats 37%477 / 755
Equity / Assets12.89%8.93%10.56%13.13%Beats 73%203 / 755
Liquidity & Funding
Loans / Deposits93.97%62.43%78.62%91.00%81st pctl145 / 755
Loans / Assets79.13%54.70%67.27%76.55%82nd pctl135 / 755
Brokered Deposits / Depositsn/aNot reported for this institution