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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

5.00%Q2 ’245.30%Q2 ’255.23%Q2 ’26+15%-2%

Non-interest income vs. expense

2.04%Q2 ’242.23%Q2 ’252.12%Q2 ’26+8%-7%

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 11 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.34% of loans (-8 bps YoY), with net charge-offs at 0.09%.
  • 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 (quarter, annualized)

1.80%+11 bps YoY

Net Interest Margin (quarter, annualized)

3.88%-7 bps YoY

Efficiency Ratio (quarter, annualized)

47.99%-183 bps YoY

Tier 1 Leverage Ratio

12.79%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.79%1.91%1.78%1.80%+11 bps
Return on Equity14.61%15.15%15.76%14.63%14.70%+9 bps
Net Interest Margin3.94%4.00%4.01%4.18%3.88%-7 bps
Efficiency Ratio49.82%47.59%44.82%49.57%47.99%-183 bps
Non-Interest Burden1.74%1.66%1.51%1.85%1.62%-12 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 / Loans0.10%0.02%0.05%0.22%0.09%0 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