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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 1.04%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%1.00%0.78%0.96%1.01%0.92%0.85%1.04%+8 bps
Return on Equity7.77%10.76%8.22%10.06%10.28%9.33%8.07%9.74%-31 bps
Net Interest Margin3.06%3.10%3.12%3.11%3.26%3.28%3.50%3.40%+29 bps
Efficiency Ratio68.88%63.75%66.96%63.51%63.16%66.67%79.73%69.84%+633 bps
Non-Interest Burden2.03%1.78%2.01%1.90%1.98%2.12%2.87%2.40%+49 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 / Loans0.96%0.58%0.08%0.32%0.25%0.44%-0.34%-0.25%-56 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