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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

4.72%Q2 ’244.89%Q2 ’254.70%Q2 ’26+7%-1%

Non-interest income vs. expense

1.47%Q2 ’241.38%Q2 ’251.41%Q2 ’26+1%+0%

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 1.58%, down 3 bps year over year; NIM at 3.27%.
  • 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 (quarter, annualized)

1.58%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.27%-5 bps YoY

Efficiency Ratio (quarter, annualized)

41.15%+109 bps YoY

Tier 1 Leverage Ratio

12.36%+133 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.62%1.93%1.51%1.58%-3 bps
Return on Equity14.71%14.14%16.59%12.66%12.92%-179 bps
Net Interest Margin3.32%3.38%3.35%3.16%3.27%-5 bps
Efficiency Ratio40.05%39.97%42.58%42.34%41.15%+109 bps
Non-Interest Burden1.25%1.27%1.34%1.26%1.25%0 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%-0.04%0.00%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