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First State Bank Nebraska

Lincoln, NE · Cert 13868 · First State Holding Co.

State charter, Fed member · FED · 18 branches

Q2 2026

$1.1BAssets
$907.9MLoans
$990.0MDeposits
$115.2MEquity
Loan mix
83%RE $676.0M16%C&I $130.1M1%Consumer $6.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $891.3M10%Noninterest $98.7MQ2 2025Q2 2026

NIM

4.94%Q2 ’245.22%Q2 ’255.35%Q2 ’26+18%+9%

Non-interest income vs. expense

1.81%Q2 ’241.85%Q2 ’251.92%Q2 ’26+4%+4%

Market Position · Lincoln, NE · 2026 SOD (annual) · 2.9% share · #8 of 33 inst. · $0.5B of $16.1B

3.1% Lancaster
29.5% Saline
16.8% Gage
17.1% Cass

Executive Summary

  • Earnings: ROA of 1.24%, up 21 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.24% of loans (+11 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.00%, up 4 bps from a year ago.
  • Funding: loans stand at 91.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.24%+21 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+27 bps YoY

Efficiency Ratio (quarter, annualized)

53.44%-268 bps YoY

Tier 1 Leverage Ratio

9.00%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.20%1.22%1.17%1.24%+21 bps
Return on Equity10.91%12.42%12.13%11.49%12.19%+128 bps
Net Interest Margin3.05%3.19%3.29%3.32%3.32%+27 bps
Efficiency Ratio56.12%52.50%56.13%54.72%53.44%-268 bps
Non-Interest Burden1.59%1.53%1.69%1.71%1.65%+6 bps
Growth
Asset Growth (YoY)8.89%3.78%6.81%4.13%3.15%-574 bps
Loan Growth (YoY)11.06%7.18%8.47%9.34%7.12%-394 bps
Deposit Growth (YoY)7.68%5.02%9.66%7.27%10.56%+288 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.12%0.13%0.24%+11 bps
Net Charge-Offs / Loans0.02%0.00%0.00%0.03%0.02%0 bps
Allowance / Loans0.94%0.96%0.95%0.97%0.97%+3 bps
Allowance Coverage of NPLs7.1x7.7x7.8x7.3x4.1x-3.0x
Capital
Tier 1 Leverage Ratio8.96%8.97%9.14%9.19%9.00%+4 bps
Total Risk-Based Capital12.19%12.39%12.47%12.63%12.55%+37 bps
Equity / Assets9.39%10.01%10.09%10.25%10.15%+76 bps
Liquidity & Funding
Loans / Deposits94.65%92.06%92.93%91.08%91.71%-295 bps
Liquid Assets / Assets2.56%1.43%3.13%3.18%2.68%+12 bps
CRE / Total Capitaln/a249%248%252%n/an/a