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Bank of Steinauer

Steinauer, NE · Cert 10635 · Steinauer Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

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 in NE (n=83). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

10

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

Bank of Steinauer

Steinauer, NE · Cert 10635 · Steinauer Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$19.0MAssets
$13.0MLoans
$16.5MDeposits
$1.9MEquity
Loan mix
77%RE $7.7M6%C&I $0.6M17%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $11.9M28%Noninterest $4.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.08%, down 21 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.89%, down 29 bps from a year ago.
  • Funding: loans stand at 79.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%-21 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+19 bps YoY

Efficiency Ratio (YTD, annualized)

77.61%+741 bps YoY

Tier 1 Leverage Ratio

7.89%-29 bps YoY

NIM

4.78%Q2 ’245.01%Q2 ’255.15%Q2 ’26+14%+5%

Non-interest income vs. expense

3.83%Q2 ’243.06%Q2 ’253.30%Q2 ’26-7%+21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.32%1.39%1.29%1.13%0.31%0.94%1.08%-21 bps
Return on Equity7.10%3.29%15.97%15.12%13.19%3.54%11.34%12.23%-289 bps
Net Interest Margin3.46%3.43%3.77%3.89%4.09%4.08%3.88%4.08%+19 bps
Efficiency Ratio84.54%91.77%68.95%70.20%73.52%91.91%78.49%77.61%+741 bps
Non-Interest Burden2.77%3.06%2.35%2.59%2.91%3.72%3.00%3.13%+53 bps
Growth
Asset Growth (YoY)15.07%4.04%37.68%32.72%18.80%8.53%8.34%-16.43%-4,915 bps
Loan Growth (YoY)3.65%16.53%15.69%8.82%4.60%3.90%2.39%12.91%+409 bps
Deposit Growth (YoY)16.89%2.01%41.28%35.55%18.75%9.18%8.88%-20.98%-5,653 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.13%-0.09%0.00%0.00%0.00%0.01%0.00%0.00%0 bps
Allowance / Loans0.70%0.65%0.68%0.66%0.66%0.61%0.65%0.58%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.32%9.49%8.33%8.18%8.63%7.94%7.52%7.89%-29 bps
Total Risk-Based Capital10.32%9.49%8.33%8.18%16.96%15.34%15.48%15.88%+770 bps
Equity / Assets9.60%10.02%7.74%8.24%8.76%9.58%7.33%10.10%+185 bps
Liquidity & Funding
Loans / Deposits65.54%75.49%52.08%55.32%57.73%71.84%48.98%79.04%+2,373 bps
Liquid Assets / Assets25.68%25.60%42.42%43.61%42.51%21.93%44.67%25.67%-1,793 bps
CRE / Total Capitaln/an/an/an/a22.49%29.41%27.35%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

Bank of Steinauer

Steinauer, NE · Cert 10635 · Peer group: banks under $1B in assets in NE (n=83) · Steinauer Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$19.0MAssets
$13.0MLoans
$16.5MDeposits
$1.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: efficiency ratio trails 90% of banks under $1B in assets in NE (rank 76 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.20%

Rank 41 of 83

Net Interest Margin

4.08%

Rank 17 of 83

Efficiency Ratio

77.61%

Rank 76 of 83

Equity / Assets

10.10%

Rank 60 of 83

Non-interest income vs. expense

$42K$804KINCOMEEXPENSE
Unfavorable gap of $762K · efficiency ratio beats 10% of banks under $1B in assets in NE
Bank 77.61%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.20%0.93%1.20%1.51%Beats 51%41 / 83
Return on Equity11.86%8.04%10.34%13.11%Beats 63%31 / 83
Net Interest Margin4.08%3.25%3.62%4.02%Beats 80%17 / 83
Efficiency Ratio77.61%51.13%59.95%67.19%Beats 10%76 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio15.29%10.94%13.24%16.62%Beats 67%27 / 83
Total Risk-Based Capital Ratio15.88%11.04%13.54%17.63%Beats 66%28 / 83
Equity / Assets10.10%9.90%11.31%13.84%Beats 28%60 / 83
Liquidity & Funding
Loans / Deposits79.04%71.97%83.15%92.22%39th pctl51 / 83
Loans / Assets68.44%57.96%69.15%77.64%48th pctl43 / 83
Brokered Deposits / Depositsn/aNot reported for this institution