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State Bank of Lakota

Lakota, ND · Cert 16477 · Lakota Bank Holding Co. Inc.

State charter, non-member · FDIC · 1 branch

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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

67

Q2 2024Q2 2026peer median

Efficiency

53

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

State Bank of Lakota

Lakota, ND · Cert 16477 · Lakota Bank Holding Co. Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$64.2MAssets
$38.9MLoans
$57.6MDeposits
$6.3MEquity
Loan mix
73%RE $14.5M17%C&I $3.4M11%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $42.6M26%Noninterest $14.9MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.89%Q2 ’254.81%Q2 ’26-8%+5%

Non-interest income vs. expense

2.34%Q2 ’242.38%Q2 ’252.43%Q2 ’26+8%-2%

Executive Summary

  • Earnings: ROA of 0.84%, down 3 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.49% of loans (+9 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 9.58%, up 14 bps from a year ago.
  • Funding: loans stand at 67.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+18 bps YoY

Efficiency Ratio (YTD, annualized)

63.74%-353 bps YoY

Tier 1 Leverage Ratio

9.58%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.94%1.00%1.11%0.84%-3 bps
Return on Equity9.97%10.68%11.25%11.94%8.90%-107 bps
Net Interest Margin3.44%3.49%3.53%3.55%3.62%+18 bps
Efficiency Ratio67.27%65.60%64.73%59.65%63.74%-353 bps
Non-Interest Burden2.28%2.25%2.25%2.02%2.24%-4 bps
Growth
Asset Growth (YoY)2.05%14.21%-8.33%-1.14%-0.04%-209 bps
Loan Growth (YoY)2.29%-4.18%1.76%-4.84%1.49%-81 bps
Deposit Growth (YoY)2.07%15.73%-9.50%-1.68%-0.44%-252 bps
Asset Quality
Nonperforming Loans / Loans0.40%1.25%0.50%0.45%0.49%+9 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.21%0.32%+31 bps
Allowance / Loans0.93%0.93%0.89%1.01%1.02%+9 bps
Allowance Coverage of NPLs2.4x0.7x1.8x2.3x2.1x-0.3x
Capital
Tier 1 Leverage Ratio9.45%9.47%9.27%9.47%9.58%+14 bps
Total Risk-Based Capital15.52%15.26%15.06%16.02%15.66%+14 bps
Equity / Assets9.40%8.86%9.18%9.40%9.75%+35 bps
Liquidity & Funding
Loans / Deposits66.30%61.26%66.36%59.42%67.58%+129 bps
Liquid Assets / Assets17.88%16.47%15.66%16.57%17.77%-11 bps
CRE / Total Capitaln/a46.46%46.40%48.15%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

State Bank of Lakota

Lakota, ND · Cert 16477 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lakota Bank Holding Co. Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$64.2MAssets
$38.9MLoans
$57.6MDeposits
$6.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 60% of banks under $1B in assets operating in a single state (rank 296 of 746).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets operating in a single state (rank 672 of 743).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.86%

Rank 479 of 746

Net Interest Margin

3.62%

Rank 393 of 746

Efficiency Ratio

63.74%

Rank 355 of 746

Equity / Assets

9.75%

Rank 460 of 746

Non-interest income vs. expense

$0.1M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 53% of banks under $1B in assets operating in a single state
Bank 63.74%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.72%1.06%1.45%Beats 36%479 / 746
Return on Equity8.84%6.74%10.51%13.63%Beats 39%454 / 746
Net Interest Margin3.62%3.17%3.68%4.16%Beats 47%393 / 746
Efficiency Ratio63.74%55.74%64.58%75.47%Beats 53%355 / 746
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.42%1.07%Beats 46%399 / 743
Net Charge-Offs / Loans0.17%0.00%0.01%0.05%Beats 10%672 / 743
Capital
Tier 1 Capital Ratio14.66%11.55%13.75%17.60%Beats 58%316 / 746
Total Risk-Based Capital Ratio15.66%11.71%14.33%18.43%Beats 60%296 / 746
Equity / Assets9.75%8.90%10.51%13.06%Beats 38%460 / 746
Liquidity & Funding
Loans / Deposits67.58%61.31%78.27%90.78%33rd pctl503 / 746
Loans / Assets60.61%53.60%66.97%76.08%36th pctl475 / 746
Brokered Deposits / Depositsn/aNot reported for this institution