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Greatamerica Bank National Association

Cedar Rapids, IA · Cert 18463 · Delhi Bancshares Inc.

National charter · OCC · 4 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

99

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

1

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

1

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

Greatamerica Bank National Association

Cedar Rapids, IA · Cert 18463 · Delhi Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$450.0MAssets
$259.2MLoans
$56.1MDeposits
$254.1MEquity
Loan mix
92%RE $15.7M5%C&I $0.9M2%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $47.4M16%Noninterest $8.7MQ2 2025Q2 2026

NIM

3.76%Q2 ’243.85%Q2 ’250.61%Q2 ’26-5%-78%

Non-interest income vs. expense

3.41%Q2 ’243.29%Q2 ’253.64%Q2 ’26-7%-50%

Market Position · Cedar Rapids, IA · 2026 SOD (annual) · 0.4% share · #31 of 35 inst. · $0.0B of $8.8B

0.5% Linn
2.2% Delaware

Executive Summary

  • Earnings: ROA of -2.74%, down 224 bps year over year; NIM at 0.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 61.62%, up 5,284 bps from a year ago.
  • Funding: loans stand at 461.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.74%-224 bps YoY

Net Interest Margin (YTD, annualized)

0.53%-187 bps YoY

Efficiency Ratio (YTD, annualized)

133.88%+1,533 bps YoY

Tier 1 Leverage Ratio

61.62%+5,284 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.50%-0.61%-0.60%-0.64%-2.74%-224 bps
Return on Equity-10.10%-11.85%-11.48%-11.39%-5.59%+450 bps
Net Interest Margin2.40%2.45%2.47%2.56%0.53%-187 bps
Efficiency Ratio118.55%122.38%121.25%121.14%133.88%+1,533 bps
Non-Interest Burden2.91%3.07%3.07%3.20%1.44%-147 bps
Growth
Asset Growth (YoY)-7.78%-6.03%-5.11%-5.53%1062%+106,988 bps
Loan Growth (YoY)-7.16%-3.09%-2.19%-2.39%1253%+125,972 bps
Deposit Growth (YoY)-7.90%-7.45%-4.15%-5.35%64.58%+7,248 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.89%0.90%0.90%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans0.93%0.89%0.91%0.91%1.01%+7 bps
Allowance Coverage of NPLsn/a1.0x1.0x1.0xn/an/a
Capital
Tier 1 Leverage Ratio8.78%8.78%8.58%8.60%61.62%+5,284 bps
Total Risk-Based Capital8.78%18.34%18.11%17.24%61.62%+5,284 bps
Equity / Assets5.21%5.58%5.66%5.50%56.47%+5,126 bps
Liquidity & Funding
Loans / Deposits56.18%59.72%57.06%59.75%462%+40,555 bps
Liquid Assets / Assets13.37%13.12%12.81%12.91%0.62%-1,275 bps
CRE / Total Capitaln/a103.07%132.73%128.01%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

Greatamerica Bank National Association

Cedar Rapids, IA · Cert 18463 · Peer group: banks under $1B in assets in IA (n=134-135) · Delhi Bancshares Inc.

National charter · OCC · 4 branches

Q2 2026

$450.0MAssets
$259.2MLoans
$56.1MDeposits
$254.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in IA (rank 135 of 135).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-1.07%

Rank 134 of 135

Net Interest Margin

0.53%

Rank 135 of 135

Efficiency Ratio

133.88%

Rank 134 of 135

Equity / Assets

56.47%

Rank 2 of 135

Non-interest income vs. expense

$9.0M$14.9MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 1% of banks under $1B in assets in IA
Bank 133.88%Peer median 57.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.07%0.92%1.19%1.47%Beats 1%134 / 135
Return on Equity-1.90%7.99%10.26%13.14%Beats 2%132 / 135
Net Interest Margin0.53%2.95%3.41%3.73%Beats 0%135 / 135
Efficiency Ratio133.88%50.61%57.35%63.29%Beats 1%134 / 135
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.51%1.26%Beats 100%21 / 134
Net Charge-Offs / Loans0.00%n/a0.01%0.03%Beats 100%45 / 134
Capital
Tier 1 Capital Ratio61.62%11.23%13.31%15.45%Beats 99%2 / 135
Total Risk-Based Capital Ratio61.62%11.61%14.06%16.47%Beats 99%2 / 135
Equity / Assets56.47%9.87%11.05%13.07%Beats 99%2 / 135
Liquidity & Funding
Loans / Deposits462%68.54%81.55%91.24%99th pctl1 / 134
Loans / Assets57.61%57.61%68.06%76.23%24th pctl102 / 135
Brokered Deposits / Depositsn/aNot reported for this institution