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Dayspring Bank

Gothenburg, NE · Cert 13622 · Nebraska Bankshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

50

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

Dayspring Bank

Gothenburg, NE · Cert 13622 · Nebraska Bankshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (13 in holding)

Q2 2026

$1.2BAssets
$865.6MLoans
$927.6MDeposits
$126.1MEquity
Loan mix
90%RE $655.9M8%C&I $58.3M2%Consumer $12.9MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $818.5M12%Noninterest $109.1MQ2 2025Q2 2026

NIM

5.27%Q2 ’245.34%Q2 ’255.45%Q2 ’26+19%+24%

Non-interest income vs. expense

1.79%Q2 ’241.75%Q2 ’252.01%Q2 ’26-9%+54%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.5% share · #28 of 77 inst. · $0.2B of $42.7B

39.0% Dawson
0.6% Douglas
4.6% Lincoln
100.0% Hooker

Executive Summary

  • Earnings: ROA of 1.06%, up 35 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 1.73% of loans (+71 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 10.71%, up 46 bps from a year ago.
  • Funding: loans stand at 93.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.69%+53 bps YoY

Efficiency Ratio (YTD, annualized)

60.34%+242 bps YoY

Tier 1 Leverage Ratio

10.71%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.76%0.87%1.00%1.06%+35 bps
Return on Equity7.38%7.80%8.74%9.66%10.24%+286 bps
Net Interest Margin2.16%2.21%2.24%2.67%2.69%+53 bps
Efficiency Ratio57.91%58.75%58.49%62.23%60.34%+242 bps
Non-Interest Burden0.87%0.93%0.98%1.38%1.35%+47 bps
Growth
Asset Growth (YoY)5.77%3.31%5.70%3.66%6.82%+105 bps
Loan Growth (YoY)6.60%5.91%6.86%6.29%8.22%+162 bps
Deposit Growth (YoY)17.48%7.83%0.81%0.72%0.20%-1,728 bps
Asset Quality
Nonperforming Loans / Loans1.02%1.37%1.76%1.78%1.73%+71 bps
Net Charge-Offs / Loans1.00%0.67%0.69%0.05%-0.03%-104 bps
Allowance / Loans1.39%1.48%1.30%1.28%1.29%-10 bps
Allowance Coverage of NPLs1.4x1.1x0.7x0.7x0.7x-0.6x
Capital
Tier 1 Leverage Ratio10.26%10.40%10.49%10.52%10.71%+46 bps
Total Risk-Based Capital10.26%10.40%10.49%10.52%10.71%+46 bps
Equity / Assets9.68%10.15%10.48%10.29%10.24%+56 bps
Liquidity & Funding
Loans / Deposits86.41%87.35%87.92%90.15%93.33%+692 bps
Liquid Assets / Assets3.46%2.99%2.83%2.68%2.58%-87 bps
CRE / Total Capitaln/a247%246%255%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

Dayspring Bank

Gothenburg, NE · Cert 13622 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Nebraska Bankshares Inc.

State charter, non-member · FDIC · 1 affiliate bank · 8 branches (13 in holding)

Q2 2026

$1.2BAssets
$865.6MLoans
$927.6MDeposits
$126.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 53% of banks $1B-$10B in assets operating in a single state (rank 123 of 258).
  • Widest gap: net interest margin trails 91% of banks $1B-$10B in assets operating in a single state (rank 235 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.02%

Rank 172 of 258

Net Interest Margin

2.69%

Rank 235 of 258

Efficiency Ratio

60.34%

Rank 130 of 257

Equity / Assets

10.24%

Rank 131 of 258

Non-interest income vs. expense

$8.1M$24.6MINCOMEEXPENSE
Unfavorable gap of $16.5M · efficiency ratio beats 50% of banks $1B-$10B in assets operating in a single state
Bank 60.34%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.93%1.23%1.54%Beats 33%172 / 258
Return on Equity9.98%9.26%11.84%14.74%Beats 32%175 / 258
Net Interest Margin2.69%3.16%3.49%3.88%Beats 9%235 / 258
Efficiency Ratio60.34%51.71%60.30%69.65%Beats 50%130 / 257
Asset Quality
Nonperforming Loans / Loans1.73%0.19%0.46%0.90%Beats 10%234 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 53%123 / 258
Capital
Tier 1 Capital Ratio10.71%11.41%12.98%15.12%Beats 16%218 / 258
Total Risk-Based Capital Ratio10.71%12.10%13.91%16.08%Beats 13%224 / 258
Equity / Assets10.24%9.09%10.24%11.72%Beats 49%131 / 258
Liquidity & Funding
Loans / Deposits93.33%73.24%86.34%95.95%69th pctl79 / 258
Loans / Assets70.31%63.01%72.27%78.40%43rd pctl147 / 258
Brokered Deposits / Depositsn/aNot reported for this institution