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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

5.56%Q2 ’245.45%Q2 ’255.48%Q2 ’26+11%+21%

Non-interest income vs. expense

1.83%Q2 ’241.78%Q2 ’251.95%Q2 ’26-14%+73%

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 1.11%, up 36 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 1.73% of loans (+71 bps YoY), with net recoveries of 0.12%.
  • 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 (quarter, annualized)

1.11%+36 bps YoY

Net Interest Margin (quarter, annualized)

2.73%+47 bps YoY

Efficiency Ratio (quarter, annualized)

58.43%+374 bps YoY

Tier 1 Leverage Ratio

10.71%+46 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.86%1.18%1.00%1.11%+36 bps
Return on Equity7.87%8.65%11.40%9.66%10.85%+298 bps
Net Interest Margin2.26%2.34%2.44%2.67%2.73%+47 bps
Efficiency Ratio54.69%60.29%57.70%62.23%58.43%+374 bps
Non-Interest Burden0.77%1.04%1.21%1.38%1.33%+56 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 / Loans1.91%-0.01%0.77%0.05%-0.12%-203 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