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
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.
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.
Capital
89
Asset Quality
100
Profitability
58
Liquidity
0
Efficiency
96
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.
South Sioux City, NE · Cert 23270 · Siouxland National Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 1.7% share · #18 of 28 inst. · $0.1B of $4.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.48% | 1.44% | 1.42% | 1.54% | 1.55% | 1.65% | 1.51% | 1.55% | +2 bps | |
| Return on Equity | 14.92% | 14.20% | 13.38% | 14.05% | 14.09% | 14.73% | 12.66% | 12.79% | -126 bps | |
| Net Interest Margin | 3.09% | 3.02% | 3.16% | 3.22% | 3.33% | 3.30% | 3.16% | 3.24% | +2 bps | |
| Efficiency Ratio | 44.58% | 45.16% | 44.88% | 42.40% | 41.58% | 41.84% | 42.34% | 41.74% | -67 bps | |
| Non-Interest Burden | 1.24% | 1.24% | 1.33% | 1.29% | 1.30% | 1.30% | 1.26% | 1.27% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.74% | 5.92% | 4.65% | 1.91% | -0.40% | 4.02% | -0.49% | 4.91% | +301 bps | |
| Loan Growth (YoY) | 1.07% | 4.44% | 11.86% | 9.96% | -1.52% | -6.89% | -14.26% | -12.05% | -2,201 bps | |
| Deposit Growth (YoY) | 2.49% | 4.77% | 3.41% | 0.21% | -2.01% | 2.82% | -2.06% | 3.89% | +368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.07% | 1.03% | 1.05% | 1.15% | 1.16% | 1.21% | 1.21% | +15 bps | |
| Allowance Coverage of NPLs | 4.0x | n/a | n/a | 352.0x | 88.8x | 118.3x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.67% | 10.48% | 10.74% | 11.04% | 11.63% | 11.95% | 11.75% | 12.36% | +133 bps | |
| Total Risk-Based Capital | 29.22% | 30.69% | 29.75% | 32.09% | 34.03% | 37.30% | 41.00% | 42.55% | +1,046 bps | |
| Equity / Assets | 9.97% | 10.94% | 10.35% | 11.55% | 11.30% | 12.00% | 11.90% | 12.55% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.84% | 44.78% | 42.61% | 45.47% | 40.04% | 40.56% | 37.30% | 38.49% | -698 bps | |
| Liquid Assets / Assets | 42.59% | 49.06% | 52.29% | 49.88% | 46.76% | 52.96% | 60.04% | 57.14% | +726 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 59.29% | 55.89% | 50.48% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.55% | 0.72% | 1.06% | 1.45% | Beats 79% | 156 / 746 | ||
| Return on Equity | 12.39% | 6.74% | 10.51% | 13.63% | Beats 67% | 249 / 746 | ||
| Net Interest Margin | 3.24% | 3.17% | 3.68% | 4.16% | Beats 28% | 540 / 746 | ||
| Efficiency Ratio | 41.74% | 55.74% | 64.58% | 75.47% | Beats 96% | 33 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 41.30% | 11.55% | 13.75% | 17.60% | Beats 97% | 20 / 746 | ||
| Total Risk-Based Capital Ratio | 42.55% | 11.71% | 14.33% | 18.43% | Beats 98% | 18 / 746 | ||
| Equity / Assets | 12.55% | 8.90% | 10.51% | 13.06% | Beats 71% | 214 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.49% | 61.31% | 78.27% | 90.78% | 5th pctl | 712 / 746 | ||
| Loans / Assets | 33.32% | 53.60% | 66.97% | 76.08% | 5th pctl | 707 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||