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One American Bank

Centerville, SD · Cert 6078 · One American Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

0

Q2 2024Q2 2026peer median (50)

Liquidity

12

Q2 2024Q2 2026peer median

Efficiency

2

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

One American Bank

Centerville, SD · Cert 6078 · One American Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$285.2MAssets
$225.8MLoans
$231.5MDeposits
$28.3MEquity
Loan mix
89%RE $236.2M2%C&I $4.2M9%Consumer $25.2MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $213.1M8%Noninterest $18.4MQ2 2025Q2 2026

NIM

5.02%Q2 ’244.73%Q2 ’254.35%Q2 ’26-8%-17%

Non-interest income vs. expense

3.17%Q2 ’243.24%Q2 ’253.03%Q2 ’26+33%-49%

Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.0% share · #19 of 42 inst. · $0.2B of $1127.8B

0.0% Minnehaha
10.7% Turner

Executive Summary

  • Earnings: ROA of -3.96%, down 231 bps year over year; NIM at 1.00%.
  • Asset quality: problem loans at 1.56% of loans (+109 bps YoY), with net charge-offs at 5.45%.
  • Capital: tier 1 leverage ratio of 8.35%, up 13 bps from a year ago.
  • Funding: loans stand at 97.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.96%-231 bps YoY

Net Interest Margin (YTD, annualized)

1.00%-20 bps YoY

Efficiency Ratio (YTD, annualized)

121.66%-10,465 bps YoY

Tier 1 Leverage Ratio

8.35%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.65%-1.36%-1.48%-1.94%-3.96%-231 bps
Return on Equity-20.51%-16.84%-18.40%-25.44%-47.90%-2,739 bps
Net Interest Margin1.20%1.36%1.32%0.87%1.00%-20 bps
Efficiency Ratio226%185.05%194.77%240%121.66%-10,465 bps
Non-Interest Burden3.01%2.80%2.82%2.48%1.54%-147 bps
Growth
Asset Growth (YoY)-6.12%-9.59%-11.93%-6.63%-25.95%-1,983 bps
Loan Growth (YoY)-9.48%-9.30%-8.38%-9.29%-22.03%-1,255 bps
Deposit Growth (YoY)-9.14%-14.16%-15.00%-7.26%-10.79%-165 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.51%0.58%0.79%1.56%+109 bps
Net Charge-Offs / Loans0.80%0.83%0.86%0.72%5.45%+464 bps
Allowance / Loans2.11%2.05%1.97%1.95%2.19%+8 bps
Allowance Coverage of NPLs4.6x4.0x3.4x2.5x1.4x-3.2x
Capital
Tier 1 Leverage Ratio8.22%8.24%8.08%7.62%8.35%+13 bps
Total Risk-Based Capital17.32%17.37%16.85%16.52%20.69%+337 bps
Equity / Assets8.00%8.09%7.92%7.32%9.93%+193 bps
Liquidity & Funding
Loans / Deposits111.60%116.38%118.50%111.79%97.54%-1,406 bps
Liquid Assets / Assets14.57%12.32%11.26%15.10%11.01%-356 bps
CRE / Total Capitaln/a53.51%56.21%56.85%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

One American Bank

Centerville, SD · Cert 6078 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · One American Financial Corp.

State charter, non-member · FDIC · 3 branches

Q2 2026

$285.2MAssets
$225.8MLoans
$231.5MDeposits
$28.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 82% of banks under $1B in assets operating in a single state (rank 132 of 746).
  • Widest gap: net charge-offs / loans trails 100% of banks under $1B in assets operating in a single state (rank 742 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-4.64%

Rank 743 of 746

Net Interest Margin

1.00%

Rank 743 of 746

Efficiency Ratio

121.66%

Rank 735 of 746

Equity / Assets

9.93%

Rank 435 of 746

Non-interest income vs. expense

$5.3M$10.7MINCOMEEXPENSE
Unfavorable gap of $5.4M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-4.64%0.72%1.06%1.45%Beats 0%743 / 746
Return on Equity-46.76%6.74%10.51%13.63%Beats 0%744 / 746
Net Interest Margin1.00%3.17%3.68%4.16%Beats 0%743 / 746
Efficiency Ratio121.66%55.74%64.58%75.47%Beats 2%735 / 746
Asset Quality
Nonperforming Loans / Loans1.56%0.09%0.42%1.07%Beats 16%625 / 743
Net Charge-Offs / Loans2.80%0.00%0.01%0.05%Beats 0%742 / 743
Capital
Tier 1 Capital Ratio19.42%11.55%13.75%17.60%Beats 81%142 / 746
Total Risk-Based Capital Ratio20.69%11.71%14.33%18.43%Beats 82%132 / 746
Equity / Assets9.93%8.90%10.51%13.06%Beats 42%435 / 746
Liquidity & Funding
Loans / Deposits97.54%61.31%78.27%90.78%88th pctl91 / 746
Loans / Assets79.19%53.60%66.97%76.08%83rd pctl124 / 746
Brokered Deposits / Depositsn/aNot reported for this institution