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Siouxland Bank

South Sioux City, NE · Cert 23270 · Siouxland National Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 under $1B in assets operating in a single state (n=743 to 746). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

Siouxland Bank

South Sioux City, NE · Cert 23270 · Siouxland National Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$88.3MAssets
$29.4MLoans
$76.4MDeposits
$11.1MEquity
Loan mix
76%RE $17.7M16%C&I $3.7M8%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $57.0M25%Noninterest $19.4MQ2 2025Q2 2026

NIM

4.66%Q2 ’244.78%Q2 ’254.69%Q2 ’26+6%+1%

Non-interest income vs. expense

1.48%Q2 ’241.43%Q2 ’251.42%Q2 ’26+1%-1%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 1.7% share · #18 of 28 inst. · $0.1B of $4.6B

Executive Summary

  • Earnings: ROA of 1.55%, up 2 bps year over year; NIM at 3.24%.
  • 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 12.36%, up 133 bps from a year ago.
  • Funding: loans stand at 38.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.55%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+2 bps YoY

Efficiency Ratio (YTD, annualized)

41.74%-67 bps YoY

Tier 1 Leverage Ratio

12.36%+133 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.55%1.65%1.51%1.55%+2 bps
Return on Equity14.05%14.09%14.73%12.66%12.79%-126 bps
Net Interest Margin3.22%3.33%3.30%3.16%3.24%+2 bps
Efficiency Ratio42.40%41.58%41.84%42.34%41.74%-67 bps
Non-Interest Burden1.29%1.30%1.30%1.26%1.27%-2 bps
Growth
Asset Growth (YoY)1.91%-0.40%4.02%-0.49%4.91%+301 bps
Loan Growth (YoY)9.96%-1.52%-6.89%-14.26%-12.05%-2,201 bps
Deposit Growth (YoY)0.21%-2.01%2.82%-2.06%3.89%+368 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.00%0.00%0 bps
Allowance / Loans1.05%1.15%1.16%1.21%1.21%+15 bps
Allowance Coverage of NPLs352.0x88.8x118.3xn/an/an/a
Capital
Tier 1 Leverage Ratio11.04%11.63%11.95%11.75%12.36%+133 bps
Total Risk-Based Capital32.09%34.03%37.30%41.00%42.55%+1,046 bps
Equity / Assets11.55%11.30%12.00%11.90%12.55%+100 bps
Liquidity & Funding
Loans / Deposits45.47%40.04%40.56%37.30%38.49%-698 bps
Liquid Assets / Assets49.88%46.76%52.96%60.04%57.14%+726 bps
CRE / Total Capitaln/a59.29%55.89%50.48%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

Siouxland Bank

South Sioux City, NE · Cert 23270 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Siouxland National Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

$88.3MAssets
$29.4MLoans
$76.4MDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 72% of banks under $1B in assets operating in a single state (rank 540 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.55%

Rank 156 of 746

Net Interest Margin

3.24%

Rank 540 of 746

Efficiency Ratio

41.74%

Rank 33 of 746

Equity / Assets

12.55%

Rank 214 of 746

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 96% of banks under $1B in assets operating in a single state
Bank 41.74%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.55%0.72%1.06%1.45%Beats 79%156 / 746
Return on Equity12.39%6.74%10.51%13.63%Beats 67%249 / 746
Net Interest Margin3.24%3.17%3.68%4.16%Beats 28%540 / 746
Efficiency Ratio41.74%55.74%64.58%75.47%Beats 96%33 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio41.30%11.55%13.75%17.60%Beats 97%20 / 746
Total Risk-Based Capital Ratio42.55%11.71%14.33%18.43%Beats 98%18 / 746
Equity / Assets12.55%8.90%10.51%13.06%Beats 71%214 / 746
Liquidity & Funding
Loans / Deposits38.49%61.31%78.27%90.78%5th pctl712 / 746
Loans / Assets33.32%53.60%66.97%76.08%5th pctl707 / 746
Brokered Deposits / Depositsn/aNot reported for this institution