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 | |