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Nebraska State Bank

Bristow, NE · Cert 13696

State charter, non-member · FDIC · 1 branch

Q2 2026

$36.6MAssets
$18.8MLoans
$32.8MDeposits
$3.5MEquity
Loan mix
70%RE $5.0M27%C&I $1.9M4%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $19.2M41%Noninterest $13.6MQ2 2025Q2 2026

NIM

5.91%Q2 ’245.73%Q2 ’255.56%Q2 ’26-4%-3%

Non-interest income vs. expense

2.86%Q2 ’242.74%Q2 ’253.25%Q2 ’26-5%+21%

Executive Summary

  • Earnings: ROA of -0.19%, down 147 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 2.26% of loans (-126 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 13.42%, down 109 bps from a year ago.
  • Funding: loans stand at 57.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-147 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-12 bps YoY

Efficiency Ratio (YTD, annualized)

77.74%+1,449 bps YoY

Tier 1 Leverage Ratio

13.42%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.12%1.06%0.79%-0.19%-147 bps
Return on Equity8.63%7.46%6.97%5.26%-1.46%-1,009 bps
Net Interest Margin4.22%4.04%4.12%4.14%4.10%-12 bps
Efficiency Ratio63.25%65.98%68.66%76.54%77.74%+1,449 bps
Non-Interest Burden2.62%2.63%2.79%3.15%3.17%+54 bps
Growth
Asset Growth (YoY)12.24%10.62%7.28%8.41%51.88%+3,965 bps
Loan Growth (YoY)-4.04%1.67%0.66%26.90%38.94%+4,298 bps
Deposit Growth (YoY)12.55%11.40%7.62%9.14%61.74%+4,919 bps
Asset Quality
Nonperforming Loans / Loans3.52%3.19%3.50%5.07%2.26%-126 bps
Net Charge-Offs / Loans-0.04%-0.03%-0.02%-0.07%0.42%+47 bps
Allowance / Loans0.91%0.87%0.87%0.73%1.26%+36 bps
Allowance Coverage of NPLs0.3x0.3x0.2x0.1x0.6x+0.3x
Capital
Tier 1 Leverage Ratio14.51%14.89%15.28%14.61%13.42%-109 bps
Total Risk-Based Capital14.51%14.89%15.28%14.61%13.42%-109 bps
Equity / Assets14.36%15.22%15.90%14.19%9.63%-473 bps
Liquidity & Funding
Loans / Deposits66.76%73.60%75.91%79.89%57.35%-941 bps
Liquid Assets / Assets40.80%35.29%32.47%28.80%19.02%-2,178 bps
CRE / Total Capitaln/a14.49%17.52%52.56%n/an/a