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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

4.45%Q2 ’244.61%Q2 ’254.79%Q2 ’26+5%+10%

Non-interest income vs. expense

2.42%Q2 ’242.43%Q2 ’252.56%Q2 ’260%-3%

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 1.81%, up 23 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.26% of loans (-20 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.81%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.34%+30 bps YoY

Efficiency Ratio (quarter, annualized)

52.41%-243 bps YoY

Tier 1 Leverage Ratio

12.79%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.75%1.36%1.76%1.81%+23 bps
Return on Equity13.73%14.82%11.48%14.96%15.06%+133 bps
Net Interest Margin3.04%3.15%3.13%3.20%3.34%+30 bps
Efficiency Ratio54.83%50.99%62.14%51.09%52.41%-243 bps
Non-Interest Burden1.04%0.89%1.39%0.90%1.01%-3 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 / Loans-0.01%0.00%0.00%0.00%-0.01%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