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Sloan State Bank

Sloan, IA · Cert 8507 · Sloan State Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$78.9MAssets
$23.3MLoans
$73.8MDeposits
$5.0MEquity
Loan mix
63%RE $10.9M7%C&I $1.2M30%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $57.6M22%Noninterest $16.1MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.15%Q2 ’253.86%Q2 ’26+2%-7%

Non-interest income vs. expense

1.74%Q2 ’241.74%Q2 ’251.57%Q2 ’26+8%-11%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 1.3% share · #19 of 28 inst. · $0.1B of $4.6B

1.7% Woodbury
3.5% Monona

Executive Summary

  • Earnings: ROA of 1.18%, up 9 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 4.28% of loans (+11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.95%, down 74 bps from a year ago.
  • Funding: loans stand at 31.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-23 bps YoY

Efficiency Ratio (YTD, annualized)

51.95%-165 bps YoY

Tier 1 Leverage Ratio

10.95%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.17%1.13%1.08%1.18%+9 bps
Return on Equity22.15%21.78%20.06%17.65%19.02%-313 bps
Net Interest Margin3.16%3.25%3.21%3.10%2.93%-23 bps
Efficiency Ratio53.60%52.76%55.16%53.75%51.95%-165 bps
Non-Interest Burden1.66%1.68%1.73%1.63%1.48%-18 bps
Growth
Asset Growth (YoY)3.79%1.98%0.28%18.33%10.44%+665 bps
Loan Growth (YoY)0.47%11.38%5.24%10.20%0.73%+27 bps
Deposit Growth (YoY)2.35%1.18%-2.17%17.54%9.36%+701 bps
Asset Quality
Nonperforming Loans / Loans4.18%1.65%1.09%1.67%4.28%+11 bps
Net Charge-Offs / Loans0.02%0.03%0.02%0.00%0.00%-2 bps
Allowance / Loans1.46%1.33%1.31%1.30%1.44%-2 bps
Allowance Coverage of NPLs0.4x0.8x1.2x0.8x0.3x0.0x
Capital
Tier 1 Leverage Ratio11.69%12.11%11.75%11.93%10.95%-74 bps
Total Risk-Based Capital11.69%12.11%11.75%11.93%10.95%-74 bps
Equity / Assets5.35%6.70%6.78%5.61%6.28%+93 bps
Liquidity & Funding
Loans / Deposits34.35%38.30%39.04%31.63%31.64%-271 bps
Liquid Assets / Assets6.61%7.75%9.49%8.90%11.04%+443 bps
CRE / Total Capitaln/a7.64%5.89%7.61%n/an/a