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Wahoo State Bank

Wahoo, NE · Cert 1163 · Hohl Financial Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$116.5MAssets
$83.2MLoans
$91.7MDeposits
$9.5MEquity
Loan mix
91%RE $75.2M4%C&I $3.1M5%Consumer $4.1MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $79.2M14%Noninterest $12.5MQ3 2024Q2 2026

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #48 of 77 inst. · $0.1B of $42.7B

Executive Summary

  • Earnings: ROA of 0.64%, up 10 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.03%, up 56 bps from a year ago.
  • Funding: loans stand at 90.75% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+26 bps YoY

Efficiency Ratio (YTD, annualized)

77.40%-191 bps YoY

Tier 1 Leverage Ratio

9.03%+56 bps YoY

NIM

4.02%Q2 ’244.32%Q2 ’254.51%Q2 ’26+14%+9%

Non-interest income vs. expense

2.42%Q2 ’242.65%Q2 ’252.81%Q2 ’26+15%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.49%0.53%0.54%0.55%0.57%0.63%0.64%+10 bps
Return on Equity7.61%7.54%7.55%7.53%7.56%7.70%7.71%7.82%+28 bps
Net Interest Margin2.66%2.72%2.88%2.96%3.00%3.09%3.22%3.22%+26 bps
Efficiency Ratio79.95%80.29%79.31%79.31%79.23%78.80%77.52%77.40%-191 bps
Non-Interest Burden2.03%2.09%2.20%2.27%2.30%2.35%2.41%2.40%+13 bps
Growth
Asset Growth (YoY)-4.80%-3.61%-4.10%-4.47%-4.71%-2.22%-2.64%-0.59%+388 bps
Loan Growth (YoY)-3.03%-3.36%-4.69%-1.70%0.09%0.82%-0.80%-4.20%-250 bps
Deposit Growth (YoY)-7.04%-5.99%-6.31%-5.67%-5.85%-2.80%-1.12%-0.41%+525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.95%0.96%0.95%0.94%0.95%0.99%1.01%+7 bps
Allowance Coverage of NPLs821.0x822.0x823.0xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.82%7.97%8.31%8.47%8.53%8.79%9.01%9.03%+56 bps
Total Risk-Based Capital12.84%13.28%13.33%13.31%13.33%13.78%14.12%9.03%-428 bps
Equity / Assets6.81%6.96%7.19%7.33%7.74%8.06%8.19%8.17%+84 bps
Liquidity & Funding
Loans / Deposits92.04%95.83%93.83%94.34%97.84%99.41%94.14%90.75%-359 bps
Liquid Assets / Assets9.34%6.78%9.62%7.88%6.33%6.15%9.13%12.79%+490 bps
CRE / Total Capitaln/an/an/an/a121.66%117.16%111.19%n/an/a