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First Central Bank

Cambridge, NE · Cert 10637 · Central Bancshares Inc.

State charter, non-member · FDIC · 3 branches

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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

43

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

First Central Bank

Cambridge, NE · Cert 10637 · Central Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)

Q2 2026

$137.8MAssets
$106.6MLoans
$117.7MDeposits
$15.9MEquity
Loan mix
70%RE $52.0M24%C&I $18.1M6%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $95.5M19%Noninterest $22.2MQ2 2025Q2 2026

NIM

6.84%Q2 ’245.80%Q2 ’255.93%Q2 ’26-21%+6%

Non-interest income vs. expense

2.58%Q2 ’243.32%Q2 ’252.93%Q2 ’26+36%-22%

Executive Summary

  • Earnings: ROA of 1.34%, up 134 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 3.47% of loans (-340 bps YoY), with net recoveries of 0.12%.
  • Capital: tier 1 leverage ratio of 11.59%, up 95 bps from a year ago.
  • Funding: loans stand at 90.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%+134 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+24 bps YoY

Efficiency Ratio (YTD, annualized)

62.86%-1,666 bps YoY

Tier 1 Leverage Ratio

11.59%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.65%0.96%1.27%1.34%+134 bps
Return on Equity0.00%6.00%8.88%11.36%11.80%+1,180 bps
Net Interest Margin3.79%4.07%4.04%4.07%4.03%+24 bps
Efficiency Ratio79.52%68.98%63.81%60.95%62.86%-1,666 bps
Non-Interest Burden2.93%2.67%2.41%2.26%2.30%-63 bps
Growth
Asset Growth (YoY)7.47%9.23%8.63%-1.95%-3.19%-1,066 bps
Loan Growth (YoY)4.97%4.54%-2.75%-4.82%-0.89%-586 bps
Deposit Growth (YoY)6.80%8.78%4.90%-2.80%-2.54%-934 bps
Asset Quality
Nonperforming Loans / Loans6.87%7.10%4.98%3.76%3.47%-340 bps
Net Charge-Offs / Loans2.25%1.25%1.16%-0.25%-0.12%-237 bps
Allowance / Loans1.17%1.34%1.25%1.37%1.30%+13 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.4x0.4x+0.2x
Capital
Tier 1 Leverage Ratio10.64%10.97%10.94%11.35%11.59%+95 bps
Total Risk-Based Capital13.41%13.34%14.55%15.00%15.00%+159 bps
Equity / Assets10.45%10.82%10.90%11.52%11.55%+111 bps
Liquidity & Funding
Loans / Deposits89.01%92.64%87.12%86.71%90.52%+151 bps
Liquid Assets / Assets8.19%8.18%10.72%10.52%10.40%+221 bps
CRE / Total Capitaln/a86.68%65.95%59.48%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

First Central Bank

Cambridge, NE · Cert 10637 · Peer group: banks under $1B in assets in NE (n=83) · Central Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)

Q2 2026

$137.8MAssets
$106.6MLoans
$117.7MDeposits
$15.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in NE (rank 80 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.36%

Rank 27 of 83

Net Interest Margin

4.03%

Rank 20 of 83

Efficiency Ratio

62.86%

Rank 48 of 83

Equity / Assets

11.55%

Rank 38 of 83

Non-interest income vs. expense

$0.9M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 43% of banks under $1B in assets in NE
Bank 62.86%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.36%0.93%1.20%1.51%Beats 67%27 / 83
Return on Equity11.75%8.04%10.34%13.11%Beats 61%32 / 83
Net Interest Margin4.03%3.25%3.62%4.02%Beats 76%20 / 83
Efficiency Ratio62.86%51.13%59.95%67.19%Beats 43%48 / 83
Asset Quality
Nonperforming Loans / Loans3.47%0.00%0.19%0.96%Beats 5%80 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio13.77%10.94%13.24%16.62%Beats 55%37 / 83
Total Risk-Based Capital Ratio15.00%11.04%13.54%17.63%Beats 60%33 / 83
Equity / Assets11.55%9.90%11.31%13.84%Beats 54%38 / 83
Liquidity & Funding
Loans / Deposits90.52%71.97%83.15%92.22%69th pctl26 / 83
Loans / Assets77.33%57.96%69.15%77.64%73rd pctl22 / 83
Brokered Deposits / Depositsn/aNot reported for this institution