Sibley State Bank

Sibley, IowaFDIC Cert #11764

STATEEstablished 18941 branch

Holding company: CYPRESS 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	$435K
Investor CRE	$0
Multifamily	$0
Construction	$0
1–4 family	$2.28M
C&I	$1.13M
Agriculture	$61.9M
Other	$916K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$66.6M

−5.5%y/y

Percentile by value14th percentileby value

FDICLNLSGR

Net loans

$65.8M

−5.6%y/y

Percentile by value14th percentileby value

FDICLNLSNET

Loans YoY

−5.59%

−250.6%y/y

Percentile by value7th percentileby value

FDICLNLSNET

L/D

68.1%

−9.3%y/y

Percentile by value36th percentileby value

FDICLNLSNET + DEP

Loans/assets

59.8%

−8.3%y/y

Percentile by value39th percentileby value

FDICLNLSNET + ASSET

RE loans %

24.92%

+16.6%y/y

Percentile by value1st percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Percentile by value0th percentileby value

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

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

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

FDICLNRECONS + RBC

Loan HHI

5,750points

−4.6%y/y

Peer standing6th percentile

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

Owner CRE %

0.65%

+7.5%y/y

Percentile by value11th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

1.70%

−36.5%y/y

Percentile by value9th percentileby value

FDICLNCI + LNLSGR