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Security National Bank of Omaha

Omaha, NE · Cert 19213 · Security National Corp.

National charter · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=311 to 317). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

38

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 2026-10-10

Security National Bank of Omaha

Omaha, NE · Cert 19213 · Security National Corp.

National charter · OCC · 14 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.5BDeposits
$181.3MEquity
Loan mix
61%RE $801.5M37%C&I $484.0M3%Consumer $35.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.1B26%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.49%Q2 ’245.52%Q2 ’255.45%Q2 ’26+7%+6%

Non-interest income vs. expense

2.79%Q2 ’243.13%Q2 ’253.20%Q2 ’26+7%+2%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 3.0% share · #6 of 77 inst. · $1.3B of $42.7B

3.6% Douglas
0.1% Dallas
2.3% Pottawattamie
0.9% Dallas

Executive Summary

  • Earnings: ROA of 1.46%, up 21 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 1.03% of loans (+89 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.58%, up 62 bps from a year ago.
  • Funding: loans stand at 92.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+25 bps YoY

Efficiency Ratio (YTD, annualized)

63.30%-208 bps YoY

Tier 1 Leverage Ratio

10.58%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.27%1.28%1.53%1.46%+21 bps
Return on Equity14.35%14.38%14.13%15.64%14.95%+60 bps
Net Interest Margin3.83%3.85%4.05%4.18%4.07%+25 bps
Efficiency Ratio65.38%64.83%65.93%62.15%63.30%-208 bps
Non-Interest Burden2.18%2.18%2.34%2.18%2.23%+5 bps
Growth
Asset Growth (YoY)10.79%2.61%-2.19%5.23%2.51%-827 bps
Loan Growth (YoY)14.06%11.36%3.97%3.84%1.50%-1,256 bps
Deposit Growth (YoY)13.36%2.21%-4.15%6.41%-1.73%-1,509 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.12%0.19%1.04%1.03%+89 bps
Net Charge-Offs / Loans0.00%-0.01%0.01%-0.04%0.00%0 bps
Allowance / Loans1.41%1.46%1.47%1.47%1.42%+1 bps
Allowance Coverage of NPLs10.1x12.1x7.9x1.4x1.4x-8.8x
Capital
Tier 1 Leverage Ratio9.96%10.02%10.55%10.90%10.58%+62 bps
Total Risk-Based Capital13.48%13.98%14.58%14.75%14.63%+115 bps
Equity / Assets8.81%9.27%9.97%9.61%9.75%+93 bps
Liquidity & Funding
Loans / Deposits89.08%91.29%92.81%86.92%92.00%+292 bps
Liquid Assets / Assets9.74%9.43%6.97%11.26%9.76%+2 bps
CRE / Total Capitaln/a380%372%369%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 2026-10-10

Security National Bank of Omaha

Omaha, NE · Cert 19213 · Peer group: banks $1B-$10B in assets (n=311-317) · Security National Corp.

National charter · OCC · 14 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.5BDeposits
$181.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks $1B-$10B in assets (rank 55 of 317).
  • Widest gap: nonperforming loans / loans trails 73% of banks $1B-$10B in assets (rank 227 of 311).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.42%

Rank 96 of 317

Net Interest Margin

4.07%

Rank 55 of 317

Efficiency Ratio

63.44%

Rank 199 of 317

Equity / Assets

9.75%

Rank 193 of 317

Non-interest income vs. expense

$18.0M$59.2MINCOMEEXPENSE
Unfavorable gap of $41.1M · efficiency ratio beats 38% of banks $1B-$10B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%0.93%1.22%1.51%Beats 70%96 / 317
Return on Equity14.56%8.63%11.43%14.48%Beats 75%78 / 317
Net Interest Margin4.07%3.06%3.45%3.83%Beats 83%55 / 317
Efficiency Ratio63.44%51.90%59.69%67.53%Beats 38%199 / 317
Asset Quality
Nonperforming Loans / Loans1.03%0.24%0.51%1.14%Beats 27%227 / 311
Net Charge-Offs / Loans0.02%0.01%0.04%0.12%Beats 65%110 / 311
Capital
Tier 1 Capital Ratio13.37%11.75%13.15%15.30%Beats 54%146 / 317
Total Risk-Based Capital Ratio14.63%12.63%14.21%16.26%Beats 57%136 / 317
Equity / Assets9.75%9.06%10.32%11.95%Beats 39%193 / 317
Liquidity & Funding
Loans / Deposits92.00%76.63%88.04%95.67%64th pctl112 / 312
Loans / Assets74.03%65.41%74.05%79.71%49th pctl161 / 317
Brokered Deposits / Depositsn/aNot reported for this institution