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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 $18.9MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $930.6M29%Noninterest $381.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.48%1.39%1.49%1.54%1.61%1.55%1.76%1.79%+25 bps
Return on Equity13.37%12.56%13.44%13.59%14.01%13.40%14.96%14.99%+139 bps
Net Interest Margin2.92%2.84%2.88%2.94%3.03%3.01%3.20%3.24%+30 bps
Efficiency Ratio55.18%57.71%54.69%54.76%53.45%55.70%51.09%51.77%-300 bps
Non-Interest Burden1.01%1.07%0.96%0.99%0.96%1.06%0.90%0.95%-4 bps
Growth
Asset Growth (YoY)24.46%3.04%3.70%3.39%5.06%2.49%2.99%3.51%+12 bps
Loan Growth (YoY)41.92%8.57%7.35%8.17%8.03%6.55%8.06%8.13%-4 bps
Deposit Growth (YoY)33.42%1.16%7.77%9.82%11.74%11.09%4.28%1.34%-848 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.26%0.58%0.46%0.47%0.43%0.42%0.26%-20 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.65%1.61%1.58%1.56%1.52%1.51%1.47%1.45%-12 bps
Allowance Coverage of NPLs37.0x6.2x2.7x3.4x3.3x3.5x3.5x5.6x+2.2x
Capital
Tier 1 Leverage Ratio12.70%12.18%12.31%12.38%12.79%12.38%12.77%12.79%+42 bps
Total Risk-Based Capital12.70%12.18%12.31%12.38%12.79%12.38%12.77%12.79%+42 bps
Equity / Assets11.65%11.04%11.13%11.86%11.79%11.92%11.67%12.34%+47 bps
Liquidity & Funding
Loans / Deposits88.24%90.24%83.17%86.39%85.31%86.55%86.18%92.17%+579 bps
Liquid Assets / Assets9.40%9.61%12.11%8.47%11.23%8.99%10.40%6.66%-181 bps
CRE / Total Capitaln/an/an/an/a135.38%143.08%142.76%n/an/a