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Washington County Bank

Blair, NE · Cert 12241 · Blair Holdings Inc.

State charter, non-member · FDIC · 4 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 the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

79

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

Washington County Bank

Blair, NE · Cert 12241 · Blair Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$662.3MAssets
$501.6MLoans
$558.8MDeposits
$82.1MEquity
Loan mix
87%RE $242.5M11%C&I $30.9M2%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $453.3M19%Noninterest $105.5MQ2 2025Q2 2026

NIM

4.86%Q2 ’245.18%Q2 ’255.27%Q2 ’26+12%+5%

Non-interest income vs. expense

2.02%Q2 ’242.25%Q2 ’252.20%Q2 ’26+11%-4%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 1.1% share · #14 of 77 inst. · $0.5B of $42.7B

74.0% Washington
25.9% Burt
2.6% Harrison

Executive Summary

  • Earnings: ROA of 1.80%, up 23 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.34% of loans (-8 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 12.79%, up 53 bps from a year ago.
  • Funding: loans stand at 89.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.80%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+18 bps YoY

Efficiency Ratio (YTD, annualized)

48.79%-348 bps YoY

Tier 1 Leverage Ratio

12.79%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.64%1.71%1.78%1.80%+23 bps
Return on Equity13.89%14.32%14.70%14.63%14.66%+77 bps
Net Interest Margin3.80%3.88%3.89%4.18%3.98%+18 bps
Efficiency Ratio52.28%50.66%49.14%49.57%48.79%-348 bps
Non-Interest Burden1.78%1.75%1.67%1.85%1.71%-7 bps
Growth
Asset Growth (YoY)2.69%3.45%2.89%10.00%7.61%+493 bps
Loan Growth (YoY)3.48%6.37%6.43%4.87%1.95%-153 bps
Deposit Growth (YoY)8.87%5.41%4.04%8.38%6.39%-247 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.39%0.43%0.37%0.34%-8 bps
Net Charge-Offs / Loans0.06%0.04%0.04%0.22%0.16%+10 bps
Allowance / Loans1.19%1.17%1.17%1.16%1.17%-2 bps
Allowance Coverage of NPLs2.9x3.0x2.7x3.2x3.4x+0.6x
Capital
Tier 1 Leverage Ratio12.26%12.70%12.98%12.73%12.79%+53 bps
Total Risk-Based Capital15.94%15.97%16.26%16.71%17.65%+171 bps
Equity / Assets11.63%11.94%12.32%12.03%12.40%+77 bps
Liquidity & Funding
Loans / Deposits93.66%96.05%99.13%91.38%89.76%-391 bps
Liquid Assets / Assets0.88%0.60%0.57%6.97%8.65%+777 bps
CRE / Total Capitaln/a106.83%104.00%103.61%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

Washington County Bank

Blair, NE · Cert 12241 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Blair Holdings Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$662.3MAssets
$501.6MLoans
$558.8MDeposits
$82.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets in the Omaha, NE-IA area (rank 3 of 24).
  • Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets in the Omaha, NE-IA area (rank 21 of 24).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.77%

Rank 6 of 24

Net Interest Margin

3.98%

Rank 6 of 24

Efficiency Ratio

49.25%

Rank 6 of 24

Equity / Assets

12.40%

Rank 5 of 24

Non-interest income vs. expense

$3.3M$14.8MINCOMEEXPENSE
Unfavorable gap of $11.6M · efficiency ratio beats 79% of banks under $1B in assets in the Omaha, NE-IA area
Bank 49.25%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.92%1.29%1.77%Beats 75%6 / 24
Return on Equity14.25%9.64%12.01%15.30%Beats 71%7 / 24
Net Interest Margin3.98%3.02%3.76%3.98%Beats 75%6 / 24
Efficiency Ratio49.25%49.60%59.31%66.55%Beats 79%6 / 24
Asset Quality
Nonperforming Loans / Loans0.34%0.10%0.37%1.03%Beats 58%11 / 24
Net Charge-Offs / Loans0.08%n/a0.00%0.03%Beats 17%21 / 24
Capital
Tier 1 Capital Ratio16.52%10.53%11.57%13.63%Beats 88%3 / 24
Total Risk-Based Capital Ratio17.65%11.15%12.06%13.90%Beats 88%3 / 24
Equity / Assets12.40%8.87%10.14%12.27%Beats 79%5 / 24
Liquidity & Funding
Loans / Deposits89.76%75.32%83.30%93.06%63rd pctl9 / 24
Loans / Assets75.74%65.68%71.67%75.94%67th pctl8 / 24
Brokered Deposits / Depositsn/aNot reported for this institution