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Westside State Bank

Westside, IA · Cert 18518 · Halbur Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$268.7MAssets
$235.2MLoans
$208.4MDeposits
$24.2MEquity
Loan mix
68%RE $129.8M25%C&I $47.3M7%Consumer $12.8MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $171.1M18%Noninterest $37.3MQ2 2025Q2 2026

NIM

5.55%Q2 ’245.96%Q2 ’256.03%Q2 ’26+16%+1%

Non-interest income vs. expense

2.43%Q2 ’242.42%Q2 ’252.42%Q2 ’26+0%0%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #68 of 77 inst. · $0.0B of $42.7B

10.5% Crawford
5.2% Carroll
5.8% Sac
0.7% Sarpy

Executive Summary

  • Earnings: ROA of 0.98%, down 6 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 1.57% of loans (+137 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 8.82%, up 101 bps from a year ago.
  • Funding: loans stand at 112.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+5 bps YoY

Efficiency Ratio (YTD, annualized)

62.18%-84 bps YoY

Tier 1 Leverage Ratio

8.82%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.11%1.05%1.01%0.98%-6 bps
Return on Equity13.63%14.53%13.57%12.70%11.73%-190 bps
Net Interest Margin3.61%3.51%3.52%3.75%3.66%+5 bps
Efficiency Ratio63.02%60.80%59.99%61.28%62.18%-84 bps
Non-Interest Burden2.18%2.03%2.01%2.18%2.17%0 bps
Growth
Asset Growth (YoY)13.85%8.25%15.91%14.44%9.47%-439 bps
Loan Growth (YoY)15.39%17.78%19.08%18.03%12.70%-269 bps
Deposit Growth (YoY)15.63%12.96%13.43%9.67%15.70%+7 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.11%0.18%1.38%1.57%+137 bps
Net Charge-Offs / Loans0.01%0.01%0.03%0.06%0.05%+4 bps
Allowance / Loans0.60%0.61%0.74%0.78%0.84%+24 bps
Allowance Coverage of NPLs3.0x5.6x4.0x0.6x0.5x-2.5x
Capital
Tier 1 Leverage Ratio7.81%7.70%7.75%7.92%8.82%+101 bps
Total Risk-Based Capital11.13%11.24%11.50%11.67%13.32%+219 bps
Equity / Assets7.56%7.88%7.91%8.01%9.00%+143 bps
Liquidity & Funding
Loans / Deposits115.86%119.82%120.91%121.97%112.85%-301 bps
Liquid Assets / Assets2.78%1.71%1.44%1.01%2.31%-48 bps
CRE / Total Capitaln/a58.73%58.55%54.97%n/an/a