PackageTrendsPeer
Letter portraitLegal landscape

Dundee Bank

Omaha, NE · Cert 10643 · Dundee Banco Inc.

State charter, non-member · FDIC · 4 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 the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

12

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Dundee Bank

Omaha, NE · Cert 10643 · Dundee Banco Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$975.6MAssets
$858.6MLoans
$846.9MDeposits
$88.6MEquity
Loan mix
84%RE $682.7M16%C&I $128.3M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $762.6M10%Noninterest $84.3MQ2 2025Q2 2026

NIM

6.05%Q2 ’246.32%Q2 ’256.34%Q2 ’26+20%+4%

Non-interest income vs. expense

2.18%Q2 ’241.87%Q2 ’251.52%Q2 ’26-15%-13%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 2.0% share · #10 of 77 inst. · $0.8B of $42.7B

Executive Summary

  • Earnings: ROA of 1.69%, up 35 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.02% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.61%, up 25 bps from a year ago.
  • Funding: loans stand at 101.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+14 bps YoY

Efficiency Ratio (YTD, annualized)

40.43%-901 bps YoY

Tier 1 Leverage Ratio

9.61%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.46%1.54%1.66%1.69%+35 bps
Return on Equity15.82%17.22%18.29%18.94%19.10%+328 bps
Net Interest Margin3.41%3.40%3.44%3.49%3.55%+14 bps
Efficiency Ratio49.44%47.33%46.08%42.74%40.43%-901 bps
Non-Interest Burden1.50%1.43%1.42%1.35%1.30%-19 bps
Growth
Asset Growth (YoY)23.67%23.27%27.95%20.67%23.91%+24 bps
Loan Growth (YoY)27.48%25.99%28.28%20.31%23.04%-444 bps
Deposit Growth (YoY)24.70%20.43%15.69%25.53%26.66%+196 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.04%0.02%0.05%0.02%0 bps
Net Charge-Offs / Loans0.00%-0.05%-0.03%0.00%0.00%0 bps
Allowance / Loans1.36%1.35%1.28%1.27%1.25%-11 bps
Allowance Coverage of NPLs62.3x33.5x68.1x27.3x73.1x+10.8x
Capital
Tier 1 Leverage Ratio9.36%9.17%9.04%9.62%9.61%+25 bps
Total Risk-Based Capital9.36%9.17%9.04%9.62%9.61%+25 bps
Equity / Assets8.76%8.58%8.26%9.26%9.08%+32 bps
Liquidity & Funding
Loans / Deposits104.36%105.50%108.06%99.03%101.38%-298 bps
Liquid Assets / Assets1.00%0.50%0.37%0.55%0.48%-52 bps
CRE / Total Capitaln/a611%655%581%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

Dundee Bank

Omaha, NE · Cert 10643 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Dundee Banco Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$975.6MAssets
$858.6MLoans
$846.9MDeposits
$88.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks under $1B in assets in the Omaha, NE-IA area (rank 3 of 24).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in the Omaha, NE-IA area (rank 23 of 24).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.62%

Rank 7 of 24

Net Interest Margin

3.54%

Rank 16 of 24

Efficiency Ratio

40.43%

Rank 3 of 24

Equity / Assets

9.08%

Rank 17 of 24

Non-interest income vs. expense

$2.1M$14.5MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 92% of banks under $1B in assets in the Omaha, NE-IA area
Bank 40.43%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.62%0.92%1.29%1.77%Beats 71%7 / 24
Return on Equity17.86%9.64%12.01%15.30%Beats 83%4 / 24
Net Interest Margin3.54%3.02%3.76%3.98%Beats 33%16 / 24
Efficiency Ratio40.43%49.60%59.31%66.55%Beats 92%3 / 24
Asset Quality
Nonperforming Loans / Loans0.02%0.10%0.37%1.03%Beats 83%5 / 24
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 50%13 / 24
Capital
Tier 1 Capital Ratio9.61%10.53%11.57%13.63%Beats 4%23 / 24
Total Risk-Based Capital Ratio9.61%11.15%12.06%13.90%Beats 4%23 / 24
Equity / Assets9.08%8.87%10.14%12.27%Beats 29%17 / 24
Liquidity & Funding
Loans / Deposits101.38%75.32%83.30%93.06%92nd pctl2 / 24
Loans / Assets88.00%65.68%71.67%75.94%96th pctl1 / 24
Brokered Deposits / Depositsn/aNot reported for this institution