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Reliabank Dakota

Estelline, SD · Cert 16221 · Big Sioux Financial Inc.

State charter, non-member · FDIC · 10 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=743 to 746). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

65

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

Reliabank Dakota

Estelline, SD · Cert 16221 · Big Sioux Financial Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$788.4MAssets
$529.5MLoans
$663.6MDeposits
$64.5MEquity
Loan mix
74%RE $314.6M25%C&I $104.9M1%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $540.8M19%Noninterest $122.8MQ3 2024Q2 2026

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #20 of 42 inst. · $0.2B of $1127.8B

23.8% Codington
0.0% Lincoln
44.4% Hamlin
0.0% Minnehaha

Executive Summary

  • Earnings: ROA of 1.14%, up 51 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.26% of loans (-39 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.49%, up 65 bps from a year ago.
  • Funding: loans stand at 79.79% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.14%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+57 bps YoY

Efficiency Ratio (YTD, annualized)

58.91%-1,418 bps YoY

Tier 1 Leverage Ratio

10.49%+65 bps YoY

NIM

4.59%Q2 ’244.76%Q2 ’255.04%Q2 ’26+30%+23%

Non-interest income vs. expense

1.91%Q2 ’242.15%Q2 ’252.04%Q2 ’26+17%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.41%0.46%0.64%0.73%0.88%1.05%1.14%+51 bps
Return on Equity5.89%7.26%7.43%10.22%11.24%13.05%13.35%14.39%+417 bps
Net Interest Margin1.97%2.02%2.30%2.54%2.65%2.69%3.05%3.11%+57 bps
Efficiency Ratio80.90%78.05%78.93%73.09%69.94%66.30%61.59%58.91%-1,418 bps
Non-Interest Burden1.51%1.48%1.74%1.74%1.72%1.61%1.75%1.68%-6 bps
Growth
Asset Growth (YoY)-0.87%-2.54%-4.58%-5.66%-5.60%-2.28%1.48%6.46%+1,212 bps
Loan Growth (YoY)0.14%-2.25%-2.47%-1.42%1.47%4.92%11.33%11.90%+1,332 bps
Deposit Growth (YoY)-1.48%5.48%-3.13%-4.11%-6.31%-2.87%2.52%7.57%+1,168 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.55%0.66%0.66%0.65%0.38%0.27%0.26%-39 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0.05%0.01%0.03%+3 bps
Allowance / Loans0.98%0.99%1.02%0.99%0.96%0.90%0.86%0.82%-17 bps
Allowance Coverage of NPLs1.7x1.8x1.5x1.5x1.5x2.4x3.2x3.1x+1.6x
Capital
Tier 1 Leverage Ratio8.85%8.95%9.36%9.84%10.10%10.14%10.41%10.49%+65 bps
Total Risk-Based Capital13.74%14.38%14.71%15.10%14.75%15.38%14.81%14.82%-28 bps
Equity / Assets6.31%5.84%6.44%6.37%7.42%7.72%7.95%8.18%+181 bps
Liquidity & Funding
Loans / Deposits73.67%71.60%73.83%76.70%79.78%77.34%80.17%79.79%+309 bps
Liquid Assets / Assets0.03%0.02%0.07%0.02%0.03%0.02%0.03%0.02%0 bps
CRE / Total Capitaln/an/an/an/a242%241%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

Reliabank Dakota

Estelline, SD · Cert 16221 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Big Sioux Financial Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$788.4MAssets
$529.5MLoans
$663.6MDeposits
$64.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 76% of banks under $1B in assets operating in a single state (rank 181 of 746).
  • Widest gap: equity / assets trails 85% of banks under $1B in assets operating in a single state (rank 632 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.12%

Rank 339 of 746

Net Interest Margin

3.11%

Rank 578 of 746

Efficiency Ratio

58.91%

Rank 261 of 746

Equity / Assets

8.18%

Rank 632 of 746

Non-interest income vs. expense

$2.9M$16.2MINCOMEEXPENSE
Unfavorable gap of $13.3M · efficiency ratio beats 65% of banks under $1B in assets operating in a single state
Bank 58.91%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.12%0.72%1.06%1.45%Beats 55%339 / 746
Return on Equity13.71%6.74%10.51%13.63%Beats 76%181 / 746
Net Interest Margin3.11%3.17%3.68%4.16%Beats 23%578 / 746
Efficiency Ratio58.91%55.74%64.58%75.47%Beats 65%261 / 746
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.42%1.07%Beats 62%288 / 743
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 30%518 / 743
Capital
Tier 1 Capital Ratio14.06%11.55%13.75%17.60%Beats 53%352 / 746
Total Risk-Based Capital Ratio14.82%11.71%14.33%18.43%Beats 54%343 / 746
Equity / Assets8.18%8.90%10.51%13.06%Beats 15%632 / 746
Liquidity & Funding
Loans / Deposits79.79%61.31%78.27%90.78%53rd pctl349 / 746
Loans / Assets67.16%53.60%66.97%76.08%51st pctl368 / 746
Brokered Deposits / Depositsn/aNot reported for this institution