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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 assets operating regionally3

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 operating regionally (n=174). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

39

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

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 $35.3MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $1.1B26%Noninterest $0.4BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.07%1.26%1.25%1.27%1.28%1.53%1.46%+21 bps
Return on Equity12.59%12.84%14.61%14.35%14.38%14.13%15.64%14.95%+60 bps
Net Interest Margin3.64%3.73%3.81%3.83%3.85%4.05%4.18%4.07%+25 bps
Efficiency Ratio64.26%64.34%64.62%65.38%64.83%65.93%62.15%63.30%-208 bps
Non-Interest Burden2.07%2.13%2.10%2.18%2.18%2.34%2.18%2.23%+5 bps
Growth
Asset Growth (YoY)18.51%9.04%2.18%10.79%2.61%-2.19%5.23%2.51%-827 bps
Loan Growth (YoY)16.31%17.40%14.21%14.06%11.36%3.97%3.84%1.50%-1,256 bps
Deposit Growth (YoY)21.38%10.34%0.76%13.36%2.21%-4.15%6.41%-1.73%-1,509 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.16%0.14%0.14%0.12%0.19%1.04%1.03%+89 bps
Net Charge-Offs / Loans0.01%0.08%0.00%0.00%-0.01%0.01%-0.04%0.00%0 bps
Allowance / Loans1.48%1.45%1.44%1.41%1.46%1.47%1.47%1.42%+1 bps
Allowance Coverage of NPLs5.1x9.2x10.2x10.1x12.1x7.9x1.4x1.4x-8.8x
Capital
Tier 1 Leverage Ratio9.31%9.45%10.07%9.96%10.02%10.55%10.90%10.58%+62 bps
Total Risk-Based Capital13.48%13.41%13.45%13.48%13.98%14.58%14.75%14.63%+115 bps
Equity / Assets8.47%8.38%8.87%8.81%9.27%9.97%9.61%9.75%+93 bps
Liquidity & Funding
Loans / Deposits83.79%85.56%89.08%89.08%91.29%92.81%86.92%92.00%+292 bps
Liquid Assets / Assets10.91%9.77%10.04%9.74%9.43%6.97%11.26%9.76%+2 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Security National Bank of Omaha

Omaha, NE · Cert 19213 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · 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 84% of banks $1B-$10B in assets operating regionally (rank 27 of 174).
  • Widest gap: nonperforming loans / loans trails 71% of banks $1B-$10B in assets operating regionally (rank 125 of 174).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.42%

Rank 57 of 174

Net Interest Margin

4.07%

Rank 27 of 174

Efficiency Ratio

63.44%

Rank 108 of 174

Equity / Assets

9.75%

Rank 113 of 174

Non-interest income vs. expense

$18.0M$59.2MINCOMEEXPENSE
Unfavorable gap of $41.1M · efficiency ratio beats 39% of banks $1B-$10B in assets operating regionally
Bank 63.44%Peer median 59.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.42%0.93%1.27%1.52%Beats 67%57 / 174
Return on Equity14.56%9.26%11.89%14.41%Beats 77%40 / 174
Net Interest Margin4.07%3.22%3.56%3.91%Beats 84%27 / 174
Efficiency Ratio63.44%51.59%59.21%67.02%Beats 39%108 / 174
Asset Quality
Nonperforming Loans / Loans1.03%0.29%0.60%1.18%Beats 29%125 / 174
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 64%63 / 174
Capital
Tier 1 Capital Ratio13.37%11.19%12.82%14.11%Beats 63%65 / 174
Total Risk-Based Capital Ratio14.63%11.81%13.70%15.33%Beats 65%61 / 174
Equity / Assets9.75%9.15%10.31%11.72%Beats 35%113 / 174
Liquidity & Funding
Loans / Deposits92.00%80.93%90.31%97.12%59th pctl71 / 174
Loans / Assets74.03%69.01%75.52%80.85%44th pctl97 / 174
Brokered Deposits / Depositsn/aNot reported for this institution