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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