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The Security National Bank of Sioux City, Iowa

Sioux City, IA · Cert 4506 · Security National Corp.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 (n=322 to 328). 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

51

Q2 2024Q2 2026peer median (50)

Asset Quality

84

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

69

Q2 2024Q2 2026peer median

Efficiency

74

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

The Security National Bank of Sioux City, Iowa

Sioux City, IA · Cert 4506 · Security National Corp.

National charter · OCC · 1 affiliate bank · 10 branches (13 in holding)

Q2 2026

$1.7BAssets
$1.2BLoans
$1.3BDeposits
$208.5MEquity
Loan mix
86%RE $752.7M12%C&I $106.6M2%Consumer $18.9MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $930.6M29%Noninterest $381.2MQ2 2025Q2 2026

NIM

4.40%Q2 ’244.50%Q2 ’254.67%Q2 ’26+1%+10%

Non-interest income vs. expense

2.35%Q2 ’242.36%Q2 ’252.46%Q2 ’26-2%-4%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 21.4% share · #1 of 28 inst. · $1.0B of $4.6B

28.3% Woodbury
5.3% Sioux
18.7% Monona
5.9% O'Brien

Executive Summary

  • Earnings: ROA of 1.79%, up 25 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.26% of loans (-20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.79%, up 42 bps from a year ago.
  • Funding: loans stand at 92.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+30 bps YoY

Efficiency Ratio (YTD, annualized)

51.77%-300 bps YoY

Tier 1 Leverage Ratio

12.79%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.61%1.55%1.76%1.79%+25 bps
Return on Equity13.59%14.01%13.40%14.96%14.99%+139 bps
Net Interest Margin2.94%3.03%3.01%3.20%3.24%+30 bps
Efficiency Ratio54.76%53.45%55.70%51.09%51.77%-300 bps
Non-Interest Burden0.99%0.96%1.06%0.90%0.95%-4 bps
Growth
Asset Growth (YoY)3.39%5.06%2.49%2.99%3.51%+12 bps
Loan Growth (YoY)8.17%8.03%6.55%8.06%8.13%-4 bps
Deposit Growth (YoY)9.82%11.74%11.09%4.28%1.34%-848 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.47%0.43%0.42%0.26%-20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.56%1.52%1.51%1.47%1.45%-12 bps
Allowance Coverage of NPLs3.4x3.3x3.5x3.5x5.6x+2.2x
Capital
Tier 1 Leverage Ratio12.38%12.79%12.38%12.77%12.79%+42 bps
Total Risk-Based Capital12.38%12.79%12.38%12.77%12.79%+42 bps
Equity / Assets11.86%11.79%11.92%11.67%12.34%+47 bps
Liquidity & Funding
Loans / Deposits86.39%85.31%86.55%86.18%92.17%+579 bps
Liquid Assets / Assets8.47%11.23%8.99%10.40%6.66%-181 bps
CRE / Total Capitaln/a135.38%143.08%142.76%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

The Security National Bank of Sioux City, Iowa

Sioux City, IA · Cert 4506 · Peer group: banks $1B-$10B in assets (n=322-328) · Security National Corp.

National charter · OCC · 1 affiliate bank · 10 branches (13 in holding)

Q2 2026

$1.7BAssets
$1.2BLoans
$1.3BDeposits
$208.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 94% of banks $1B-$10B in assets (rank 23 of 322).
  • Widest gap: total risk-based capital ratio trails 72% of banks $1B-$10B in assets (rank 237 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.81%

Rank 38 of 328

Net Interest Margin

3.24%

Rank 207 of 328

Efficiency Ratio

51.77%

Rank 87 of 328

Equity / Assets

12.34%

Rank 67 of 328

Non-interest income vs. expense

$25.8M$41.9MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 74% of banks $1B-$10B in assets
Bank 51.77%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.81%0.91%1.22%1.52%Beats 88%38 / 328
Return on Equity14.64%8.43%11.45%14.43%Beats 78%73 / 328
Net Interest Margin3.24%3.03%3.45%3.83%Beats 37%207 / 328
Efficiency Ratio51.77%51.61%59.56%67.53%Beats 74%87 / 328
Asset Quality
Nonperforming Loans / Loans0.26%0.24%0.51%1.03%Beats 73%87 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 94%23 / 322
Capital
Tier 1 Capital Ratio12.79%11.75%13.15%15.47%Beats 45%180 / 328
Total Risk-Based Capital Ratio12.79%12.63%14.15%16.46%Beats 28%237 / 328
Equity / Assets12.34%9.15%10.33%12.01%Beats 80%67 / 328
Liquidity & Funding
Loans / Deposits92.17%76.63%87.92%95.36%66th pctl111 / 323
Loans / Assets71.53%65.18%74.15%79.98%41st pctl192 / 328
Brokered Deposits / Depositsn/aNot reported for this institution