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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

5.12%Q2 ’245.17%Q2 ’255.12%Q2 ’26+7%+6%

Non-interest income vs. expense

2.24%Q2 ’242.08%Q2 ’252.28%Q2 ’26-6%+9%

Executive Summary

  • Earnings: ROA of 1.24%, up 10 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.32% of loans (+21 bps YoY), with net recoveries of 0.16%.
  • 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 (quarter, annualized)

1.24%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+20 bps YoY

Efficiency Ratio (quarter, annualized)

61.85%+153 bps YoY

Tier 1 Leverage Ratio

13.02%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.09%0.70%0.85%1.24%+10 bps
Return on Equity11.84%10.78%6.75%8.07%11.47%-37 bps
Net Interest Margin3.26%3.41%3.46%3.50%3.46%+20 bps
Efficiency Ratio60.32%62.50%76.61%79.73%61.85%+153 bps
Non-Interest Burden1.89%2.04%2.61%2.87%2.05%+16 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 / Loans0.55%0.14%1.00%-0.34%-0.16%-71 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