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Liberty National Bank

Sioux City, IA · Cert 57505 · 215 Holding Co.

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=573 to 620). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

73

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 2026-10-10

Liberty National Bank

Sioux City, IA · Cert 57505 · 215 Holding Co.

National charter · OCC · 5 affiliate banks · 8 branches (24 in holding)

Q2 2026

$624.4MAssets
$468.8MLoans
$457.3MDeposits
$104.1MEquity
Loan mix
87%RE $362.1M13%C&I $54.6M0%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $371.6M19%Noninterest $85.7MQ2 2025Q2 2026

NIM

4.80%Q2 ’244.97%Q2 ’255.02%Q2 ’26+8%+2%

Non-interest income vs. expense

2.35%Q2 ’242.37%Q2 ’252.43%Q2 ’26-3%+1%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 6.5% share · #5 of 28 inst. · $0.3B of $4.6B

31.3% Union
0.0% Minnehaha
1.5% Woodbury
2.4% Dickinson

Executive Summary

  • Earnings: ROA of 1.26%, up 9 bps year over year; NIM at 3.71%.
  • 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 10.31%, up 55 bps from a year ago.
  • Funding: loans stand at 102.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+8 bps YoY

Efficiency Ratio (YTD, annualized)

55.46%-58 bps YoY

Tier 1 Leverage Ratio

10.31%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.18%1.18%1.30%1.26%+9 bps
Return on Equity7.04%7.05%7.01%7.66%7.44%+40 bps
Net Interest Margin3.63%3.67%3.55%3.85%3.71%+8 bps
Efficiency Ratio56.04%56.42%56.54%55.33%55.46%-58 bps
Non-Interest Burden1.77%1.80%1.76%1.84%1.78%+1 bps
Growth
Asset Growth (YoY)5.45%3.59%-1.93%2.88%4.48%-97 bps
Loan Growth (YoY)6.91%6.91%7.20%5.95%7.07%+17 bps
Deposit Growth (YoY)1.07%1.50%-7.86%0.49%7.22%+615 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%0.99%1.00%0.98%0.99%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.76%9.84%9.53%9.77%10.31%+55 bps
Total Risk-Based Capital12.32%12.10%12.17%12.06%12.76%+43 bps
Equity / Assets16.98%17.04%17.09%16.96%16.67%-31 bps
Liquidity & Funding
Loans / Deposits102.65%108.32%107.51%105.06%102.51%-14 bps
Liquid Assets / Assets1.79%0.14%0.13%0.07%2.45%+66 bps
CRE / Total Capitaln/a368%374%382%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 2026-10-10

Liberty National Bank

Sioux City, IA · Cert 57505 · Peer group: banks under $1B in assets (n=573-620) · 215 Holding Co.

National charter · OCC · 5 affiliate banks · 8 branches (24 in holding)

Q2 2026

$624.4MAssets
$468.8MLoans
$457.3MDeposits
$104.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 573).
  • Widest gap: tier 1 capital ratio trails 69% of banks under $1B in assets (rank 430 of 620).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.23%

Rank 214 of 620

Net Interest Margin

3.71%

Rank 254 of 620

Efficiency Ratio

59.52%

Rank 169 of 620

Equity / Assets

16.67%

Rank 109 of 620

Non-interest income vs. expense

$4.0M$15.0MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 73% of banks under $1B in assets
Bank 59.52%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.60%1.00%1.45%Beats 65%214 / 620
Return on Equity7.38%5.30%9.30%13.29%Beats 36%398 / 620
Net Interest Margin3.71%3.02%3.53%4.04%Beats 59%254 / 620
Efficiency Ratio59.52%58.35%68.08%79.37%Beats 73%169 / 620
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%81 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio11.80%11.27%13.87%18.78%Beats 31%430 / 620
Total Risk-Based Capital Ratio12.76%11.69%14.57%19.67%Beats 36%399 / 620
Equity / Assets16.67%9.03%10.60%13.73%Beats 82%109 / 620
Liquidity & Funding
Loans / Deposits102.51%65.08%79.69%92.47%90th pctl61 / 585
Loans / Assets75.08%51.85%67.17%77.86%67th pctl204 / 620
Brokered Deposits / Depositsn/aNot reported for this institution