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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 $12.8MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $171.1M18%Noninterest $37.3MQ3 2024Q2 2026

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 0.95%, down 14 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 1.57% of loans (+137 bps YoY), with net charge-offs at 0.04%.
  • 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.

Return on Assets (quarter, annualized)

0.95%-14 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+5 bps YoY

Efficiency Ratio (quarter, annualized)

63.05%+272 bps YoY

Tier 1 Leverage Ratio

8.82%+101 bps YoY

NIM

5.83%Q2 ’246.11%Q2 ’256.17%Q2 ’26+18%+1%

Non-interest income vs. expense

2.44%Q2 ’242.33%Q2 ’252.47%Q2 ’26-5%+6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.83%0.99%1.08%1.25%0.85%1.01%0.95%-14 bps
Return on Equity11.53%11.18%13.07%14.27%16.17%10.72%12.70%11.11%-316 bps
Net Interest Margin3.18%3.21%3.72%3.67%3.71%3.76%3.75%3.72%+5 bps
Efficiency Ratio66.16%67.83%65.72%60.33%56.74%57.75%61.28%63.05%+272 bps
Non-Interest Burden1.99%2.04%2.33%2.13%1.98%2.08%2.18%2.27%+14 bps
Growth
Asset Growth (YoY)22.51%15.10%12.78%13.85%8.25%15.91%14.44%9.47%-439 bps
Loan Growth (YoY)24.17%24.13%19.96%15.39%17.78%19.08%18.03%12.70%-269 bps
Deposit Growth (YoY)7.39%7.80%11.78%15.63%12.96%13.43%9.67%15.70%+7 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.10%0.08%0.20%0.11%0.18%1.38%1.57%+137 bps
Net Charge-Offs / Loans0.05%0.31%0.01%0.01%0.02%0.08%0.06%0.04%+3 bps
Allowance / Loans0.63%0.58%0.59%0.60%0.61%0.74%0.78%0.84%+24 bps
Allowance Coverage of NPLs4.9x6.0x7.2x3.0x5.6x4.0x0.6x0.5x-2.5x
Capital
Tier 1 Leverage Ratio7.59%7.40%7.63%7.81%7.70%7.75%7.92%8.82%+101 bps
Total Risk-Based Capital10.73%10.84%11.02%11.13%11.24%11.50%11.67%13.32%+219 bps
Equity / Assets7.35%7.52%7.60%7.56%7.88%7.91%8.01%9.00%+143 bps
Liquidity & Funding
Loans / Deposits114.92%115.17%113.33%115.86%119.82%120.91%121.97%112.85%-301 bps
Liquid Assets / Assets3.54%1.68%1.62%2.78%1.71%1.44%1.01%2.31%-48 bps
CRE / Total Capitaln/an/an/an/a58.73%58.55%54.97%n/an/a