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Thayer County Bank

Hebron, NE · Cert 11475 · Thayer Agency Inc.

State charter, non-member · FDIC · 2 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

22

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

Thayer County Bank

Hebron, NE · Cert 11475 · Thayer Agency Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$88.5MAssets
$51.3MLoans
$66.5MDeposits
$9.6MEquity
Loan mix
71%RE $31.4M22%C&I $9.5M7%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $52.8M21%Noninterest $13.7MQ2 2025Q2 2026

NIM

5.05%Q2 ’245.01%Q2 ’255.04%Q2 ’26+5%+9%

Non-interest income vs. expense

2.37%Q2 ’242.11%Q2 ’252.33%Q2 ’26-11%+26%

Executive Summary

  • Earnings: ROA of 1.04%, up 8 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.32% of loans (+21 bps YoY), with net recoveries of 0.25%.
  • Capital: tier 1 leverage ratio of 13.02%, up 39 bps from a year ago.
  • Funding: loans stand at 77.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+29 bps YoY

Efficiency Ratio (YTD, annualized)

69.84%+633 bps YoY

Tier 1 Leverage Ratio

13.02%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.01%0.92%0.85%1.04%+8 bps
Return on Equity10.06%10.28%9.33%8.07%9.74%-31 bps
Net Interest Margin3.11%3.26%3.28%3.50%3.40%+29 bps
Efficiency Ratio63.51%63.16%66.67%79.73%69.84%+633 bps
Non-Interest Burden1.90%1.98%2.12%2.87%2.40%+49 bps
Growth
Asset Growth (YoY)6.08%3.83%9.58%0.29%4.54%-154 bps
Loan Growth (YoY)-2.03%-0.90%0.55%-0.05%3.12%+516 bps
Deposit Growth (YoY)7.58%5.54%8.50%-3.60%1.84%-574 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.16%0.00%0.01%0.32%+21 bps
Net Charge-Offs / Loans0.32%0.25%0.44%-0.34%-0.25%-56 bps
Allowance / Loans1.44%1.42%1.19%1.31%1.35%-9 bps
Allowance Coverage of NPLs13.2x8.8xn/a94.6x4.3x-9.0x
Capital
Tier 1 Leverage Ratio12.63%13.21%13.21%13.32%13.02%+39 bps
Total Risk-Based Capital12.63%13.21%13.21%13.32%13.02%+39 bps
Equity / Assets9.74%10.52%10.28%10.80%10.81%+107 bps
Liquidity & Funding
Loans / Deposits76.12%79.46%76.46%80.48%77.07%+96 bps
Liquid Assets / Assets0.54%0.36%0.37%0.33%0.48%-6 bps
CRE / Total Capitaln/a97.81%95.58%86.59%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

Thayer County Bank

Hebron, NE · Cert 11475 · Peer group: banks under $1B in assets in NE (n=83) · Thayer Agency Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$88.5MAssets
$51.3MLoans
$66.5MDeposits
$9.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: efficiency ratio trails 78% of banks under $1B in assets in NE (rank 66 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.02%

Rank 57 of 83

Net Interest Margin

3.40%

Rank 56 of 83

Efficiency Ratio

69.84%

Rank 66 of 83

Equity / Assets

10.81%

Rank 48 of 83

Non-interest income vs. expense

-$0.1M$2.1MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in NE
Bank 69.84%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.93%1.20%1.51%Beats 31%57 / 83
Return on Equity9.47%8.04%10.34%13.11%Beats 39%51 / 83
Net Interest Margin3.40%3.25%3.62%4.02%Beats 33%56 / 83
Efficiency Ratio69.84%51.13%59.95%67.19%Beats 22%66 / 83
Asset Quality
Nonperforming Loans / Loans0.32%0.00%0.19%0.96%Beats 40%51 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio13.02%10.94%13.24%16.62%Beats 47%44 / 83
Total Risk-Based Capital Ratio13.02%11.04%13.54%17.63%Beats 42%48 / 83
Equity / Assets10.81%9.90%11.31%13.84%Beats 42%48 / 83
Liquidity & Funding
Loans / Deposits77.07%71.97%83.15%92.22%31st pctl57 / 83
Loans / Assets57.96%57.96%69.15%77.64%24th pctl63 / 83
Brokered Deposits / Depositsn/aNot reported for this institution