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Letter portraitLegal landscapeQuarterYTD

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 $0.4MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $47.4M16%Noninterest $8.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.58%-0.59%-0.70%-0.50%-0.61%-0.60%-0.64%-2.74%-224 bps
Return on Equity-12.21%-12.41%-14.47%-10.10%-11.85%-11.48%-11.39%-5.59%+450 bps
Net Interest Margin2.50%2.51%2.37%2.40%2.45%2.47%2.56%0.53%-187 bps
Efficiency Ratio120.41%120.36%126.71%118.55%122.38%121.25%121.14%133.88%+1,533 bps
Non-Interest Burden3.07%3.08%3.07%2.91%3.07%3.07%3.20%1.44%-147 bps
Growth
Asset Growth (YoY)-0.75%-2.29%-3.97%-7.78%-6.03%-5.11%-5.53%1062%+106,988 bps
Loan Growth (YoY)2.34%1.45%-1.15%-7.16%-3.09%-2.19%-2.39%1253%+125,972 bps
Deposit Growth (YoY)-1.30%-4.24%-10.88%-7.90%-7.45%-4.15%-5.35%64.58%+7,248 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.89%0.90%0.90%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans0.86%0.90%0.90%0.93%0.89%0.91%0.91%1.01%+7 bps
Allowance Coverage of NPLsn/an/an/an/a1.0x1.0x1.0xn/an/a
Capital
Tier 1 Leverage Ratio9.09%9.01%8.74%8.78%8.78%8.58%8.60%61.62%+5,284 bps
Total Risk-Based Capital9.09%9.01%8.74%8.78%18.34%18.11%17.24%61.62%+5,284 bps
Equity / Assets5.38%4.62%5.07%5.21%5.58%5.66%5.50%56.47%+5,126 bps
Liquidity & Funding
Loans / Deposits57.04%55.92%57.93%56.18%59.72%57.06%59.75%462%+40,555 bps
Liquid Assets / Assets15.18%15.68%14.56%13.37%13.12%12.81%12.91%0.62%-1,275 bps
CRE / Total Capitaln/an/an/an/a103.07%132.73%128.01%n/an/a