Breda Savings Bank

Breda, IowaFDIC Cert #5792

STATEEstablished 18901 branch

Holding company: VAN FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$7.46M
Investor CRE	$817K
Multifamily	$0
Construction	$3.09M
1–4 family	$11.3M
C&I	$4.41M
Agriculture	$30.7M
Other	$590K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$58.4M

−0.8%y/y

Percentile by value10th percentileby value

FDICLNLSGR

Net loans

$57.9M

−0.8%y/y

Percentile by value10th percentileby value

FDICLNLSNET

Loans YoY

−0.77%

−184.9%y/y

Percentile by value20th percentileby value

FDICLNLSNET

L/D

67.5%

−6.2%y/y

Percentile by value35th percentileby value

FDICLNLSNET + DEP

Loans/assets

54.5%

−9.5%y/y

Percentile by value29th percentileby value

FDICLNLSNET + ASSET

RE loans %

65.49%

−6.4%y/y

Percentile by value24th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,010points

+2.1%y/y

Peer standing72nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

12.78%

+3.9%y/y

Percentile by value67th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

1.40%

+0.3%y/y

Percentile by value15th percentileby value

FDICLNRENROT + LNLSGR

C&I %

7.55%

+4.5%y/y

Percentile by value39th percentileby value

FDICLNCI + LNLSGR