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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 $1.7MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $371.6M19%Noninterest $85.7MQ3 2024Q2 2026

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 1.22%, up 2 bps year over year; NIM at 3.65%.
  • 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.

Return on Assets (quarter, annualized)

1.22%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.65%-2 bps YoY

Efficiency Ratio (quarter, annualized)

55.60%+38 bps YoY

Tier 1 Leverage Ratio

10.31%+55 bps YoY

NIM

4.80%Q2 ’245.01%Q2 ’254.96%Q2 ’26+12%-1%

Non-interest income vs. expense

2.34%Q2 ’242.37%Q2 ’252.41%Q2 ’26-2%+0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.05%1.15%1.20%1.20%1.17%1.30%1.22%+2 bps
Return on Equity5.95%6.40%7.01%7.09%7.05%6.87%7.66%7.24%+15 bps
Net Interest Margin3.32%3.40%3.57%3.67%3.77%3.64%3.85%3.65%-2 bps
Efficiency Ratio59.56%59.11%56.89%55.22%57.15%56.90%55.33%55.60%+38 bps
Non-Interest Burden1.75%1.79%1.78%1.74%1.88%1.83%1.84%1.75%0 bps
Growth
Asset Growth (YoY)5.56%1.32%3.79%5.45%3.59%-1.93%2.88%4.48%-97 bps
Loan Growth (YoY)10.34%5.55%6.70%6.91%6.91%7.20%5.95%7.07%+17 bps
Deposit Growth (YoY)-1.39%-2.85%4.61%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.02%1.01%1.00%1.02%0.99%1.00%0.98%0.99%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.20%9.12%9.32%9.76%9.84%9.53%9.77%10.31%+55 bps
Total Risk-Based Capital11.49%11.66%11.74%12.32%12.10%12.17%12.06%12.76%+43 bps
Equity / Assets16.95%16.03%16.89%16.98%17.04%17.09%16.96%16.67%-31 bps
Liquidity & Funding
Loans / Deposits102.84%92.41%99.64%102.65%108.32%107.51%105.06%102.51%-14 bps
Liquid Assets / Assets0.75%5.33%0.21%1.79%0.14%0.13%0.07%2.45%+66 bps
CRE / Total Capitaln/an/an/an/a368%374%382%n/an/a