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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