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Bankiowa

Cedar Rapids, IA · Cert 17282 · Fidelity Ban Corp.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IA3

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 in IA (n=134 to 135). 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

31

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

Bankiowa

Cedar Rapids, IA · Cert 17282 · Fidelity Ban Corp.

State charter, non-member · FDIC · 13 branches

Q2 2026

$846.2MAssets
$695.5MLoans
$712.7MDeposits
$105.5MEquity
Loan mix
80%RE $448.2M19%C&I $104.3M2%Consumer $8.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $566.3M21%Noninterest $146.4MQ2 2025Q2 2026

NIM

4.79%Q2 ’245.24%Q2 ’255.39%Q2 ’26+22%+12%

Non-interest income vs. expense

2.56%Q2 ’242.76%Q2 ’252.83%Q2 ’26+6%+3%

Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 4.0% share · #8 of 23 inst. · $0.2B of $4.7B

49.3% Buchanan
6.9% Black Hawk
1.9% Linn
3.6% Benton

Executive Summary

  • Earnings: ROA of 1.31%, up 32 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 1.00% of loans (+82 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 12.46%, up 76 bps from a year ago.
  • Funding: loans stand at 97.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+41 bps YoY

Efficiency Ratio (YTD, annualized)

61.62%-435 bps YoY

Tier 1 Leverage Ratio

12.46%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.07%1.14%1.26%1.31%+32 bps
Return on Equity8.82%9.37%9.84%10.30%10.62%+180 bps
Net Interest Margin3.47%3.59%3.66%3.93%3.88%+41 bps
Efficiency Ratio65.97%63.95%63.10%62.88%61.62%-435 bps
Non-Interest Burden2.04%2.03%2.02%2.17%2.10%+7 bps
Growth
Asset Growth (YoY)-1.81%-0.65%0.45%-1.95%3.04%+485 bps
Loan Growth (YoY)6.09%7.24%5.68%1.25%1.60%-449 bps
Deposit Growth (YoY)4.44%3.87%7.32%1.14%5.81%+137 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.62%0.46%0.45%1.00%+82 bps
Net Charge-Offs / Loans0.11%0.07%0.21%-0.04%-0.06%-17 bps
Allowance / Loans1.10%1.15%1.07%1.10%1.14%+4 bps
Allowance Coverage of NPLs6.1x1.9x2.3x2.4x1.1x-4.9x
Capital
Tier 1 Leverage Ratio11.70%12.03%12.11%12.48%12.46%+76 bps
Total Risk-Based Capital11.70%12.03%12.11%12.48%12.46%+76 bps
Equity / Assets11.60%11.95%12.26%12.24%12.47%+86 bps
Liquidity & Funding
Loans / Deposits101.63%102.05%98.98%97.08%97.58%-404 bps
Liquid Assets / Assets1.44%0.58%1.61%2.03%1.13%-31 bps
CRE / Total Capitaln/a267%244%229%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

Bankiowa

Cedar Rapids, IA · Cert 17282 · Peer group: banks under $1B in assets in IA (n=134-135) · Fidelity Ban Corp.

State charter, non-member · FDIC · 13 branches

Q2 2026

$846.2MAssets
$695.5MLoans
$712.7MDeposits
$105.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in IA (rank 22 of 135).
  • Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets in IA (rank 96 of 134).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.29%

Rank 60 of 135

Net Interest Margin

3.88%

Rank 22 of 135

Efficiency Ratio

61.62%

Rank 94 of 135

Equity / Assets

12.47%

Rank 43 of 135

Non-interest income vs. expense

$6.2M$24.0MINCOMEEXPENSE
Unfavorable gap of $17.8M · efficiency ratio beats 31% of banks under $1B in assets in IA
Bank 61.62%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.92%1.19%1.47%Beats 56%60 / 135
Return on Equity10.36%7.99%10.26%13.14%Beats 51%66 / 135
Net Interest Margin3.88%2.95%3.41%3.73%Beats 84%22 / 135
Efficiency Ratio61.62%50.61%57.35%63.29%Beats 31%94 / 135
Asset Quality
Nonperforming Loans / Loans1.00%0.03%0.51%1.26%Beats 29%96 / 134
Net Charge-Offs / Loans0.01%n/a0.01%0.03%Beats 34%89 / 134
Capital
Tier 1 Capital Ratio12.46%11.23%13.31%15.45%Beats 40%81 / 135
Total Risk-Based Capital Ratio12.46%11.61%14.06%16.47%Beats 33%91 / 135
Equity / Assets12.47%9.87%11.05%13.07%Beats 68%43 / 135
Liquidity & Funding
Loans / Deposits97.58%68.54%81.55%91.24%86th pctl19 / 134
Loans / Assets82.19%57.61%68.06%76.23%90th pctl14 / 135
Brokered Deposits / Depositsn/aNot reported for this institution