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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

6.32%Q2 ’245.94%Q2 ’255.79%Q2 ’26-9%+1%

Non-interest income vs. expense

2.60%Q2 ’242.99%Q2 ’252.98%Q2 ’26+25%-14%

Executive Summary

  • Earnings: ROA of 1.41%, up 77 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 3.47% of loans (-340 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.41%+77 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+4 bps YoY

Efficiency Ratio (quarter, annualized)

64.81%-655 bps YoY

Tier 1 Leverage Ratio

11.59%+95 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%1.90%1.88%1.27%1.41%+77 bps
Return on Equity6.16%17.90%17.29%11.36%12.23%+607 bps
Net Interest Margin3.89%4.63%4.27%4.07%3.93%+4 bps
Efficiency Ratio71.36%52.10%49.41%60.95%64.81%-655 bps
Non-Interest Burden2.69%2.12%1.86%2.26%2.31%-38 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 / Loans0.40%-0.67%0.67%-0.25%0.00%-40 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