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Commercial Bank

Nelson, NE · Cert 12246 · C L C Enterprises Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$56.5MAssets
$39.1MLoans
$47.0MDeposits
$7.8MEquity
Loan mix
39%RE $8.7M57%C&I $12.7M4%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $39.4M16%Noninterest $7.6MQ2 2025Q2 2026

NIM

5.74%Q2 ’245.64%Q2 ’255.78%Q2 ’26-3%+14%

Non-interest income vs. expense

2.80%Q2 ’242.78%Q2 ’252.87%Q2 ’26+1%+3%

Executive Summary

  • Earnings: ROA of 1.06%, up 25 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 3.06% of loans (+201 bps YoY), with net charge-offs at 0.51%.
  • Capital: tier 1 leverage ratio of 15.24%, up 115 bps from a year ago.
  • Funding: loans stand at 83.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.06%+25 bps YoY

Net Interest Margin (quarter, annualized)

4.25%+51 bps YoY

Efficiency Ratio (quarter, annualized)

66.24%-687 bps YoY

Tier 1 Leverage Ratio

15.24%+115 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%1.33%1.94%1.04%1.06%+25 bps
Return on Equity6.58%10.44%15.09%7.94%7.79%+120 bps
Net Interest Margin3.73%4.12%4.08%4.08%4.25%+51 bps
Efficiency Ratio73.11%70.55%47.02%68.25%66.24%-687 bps
Non-Interest Burden2.71%2.88%1.86%2.75%2.78%+7 bps
Growth
Asset Growth (YoY)-6.59%-7.81%-1.26%-3.22%-2.70%+389 bps
Loan Growth (YoY)-2.25%0.94%7.51%1.34%2.80%+505 bps
Deposit Growth (YoY)-7.79%0.42%-3.08%-4.37%-6.98%+81 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.98%2.02%2.23%3.06%+201 bps
Net Charge-Offs / Loans0.00%0.00%1.41%0.00%0.51%+51 bps
Allowance / Loans1.50%1.43%1.11%1.40%1.32%-17 bps
Allowance Coverage of NPLs1.4x1.5x0.5x0.6x0.4x-1.0x
Capital
Tier 1 Leverage Ratio14.09%14.26%14.62%14.26%15.24%+115 bps
Total Risk-Based Capital18.86%18.67%18.34%19.45%20.13%+126 bps
Equity / Assets12.54%12.83%12.83%13.37%13.88%+133 bps
Liquidity & Funding
Loans / Deposits75.24%81.30%81.67%74.88%83.15%+791 bps
Liquid Assets / Assets14.87%13.46%14.18%14.70%14.70%-17 bps
CRE / Total Capitaln/a65.08%68.35%60.00%n/an/a