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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 $3.0MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $52.8M21%Noninterest $13.7MQ3 2024Q2 2026

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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.84%0.78%1.14%1.09%0.70%0.85%1.24%+10 bps
Return on Equity13.00%18.96%8.22%11.84%10.78%6.75%8.07%11.47%-37 bps
Net Interest Margin3.19%3.26%3.12%3.26%3.41%3.46%3.50%3.46%+20 bps
Efficiency Ratio59.57%52.88%66.96%60.32%62.50%76.61%79.73%61.85%+153 bps
Non-Interest Burden1.80%1.07%2.01%1.89%2.04%2.61%2.87%2.05%+16 bps
Growth
Asset Growth (YoY)5.37%-0.53%5.35%6.08%3.83%9.58%0.29%4.54%-154 bps
Loan Growth (YoY)4.03%0.54%0.32%-2.03%-0.90%0.55%-0.05%3.12%+516 bps
Deposit Growth (YoY)4.32%0.12%7.50%7.58%5.54%8.50%-3.60%1.84%-574 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.29%0.11%0.16%0.00%0.01%0.32%+21 bps
Net Charge-Offs / Loans-0.09%-0.56%0.08%0.55%0.14%1.00%-0.34%-0.16%-71 bps
Allowance / Loans1.27%1.44%1.49%1.44%1.42%1.19%1.31%1.35%-9 bps
Allowance Coverage of NPLs14.8xn/a5.2x13.2x8.8xn/a94.6x4.3x-9.0x
Capital
Tier 1 Leverage Ratio12.86%13.04%12.99%12.63%13.21%13.21%13.32%13.02%+39 bps
Total Risk-Based Capital12.86%13.04%12.99%12.63%13.21%13.21%13.32%13.02%+39 bps
Equity / Assets9.98%9.44%9.45%9.74%10.52%10.28%10.80%10.81%+107 bps
Liquidity & Funding
Loans / Deposits84.63%82.51%77.62%76.12%79.46%76.46%80.48%77.07%+96 bps
Liquid Assets / Assets0.28%0.67%0.86%0.54%0.36%0.37%0.33%0.48%-6 bps
CRE / Total Capitaln/an/an/an/a97.81%95.58%86.59%n/an/a