PackageTrendsPeer
Letter portraitLegal landscape

Bank of Hartington

Hartington, NE · Cert 13962 · Cedar Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

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 under $1B in assets in NE (n=83). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

37

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

Bank of Hartington

Hartington, NE · Cert 13962 · Cedar Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

$151.0MAssets
$113.0MLoans
$136.9MDeposits
$13.2MEquity
Loan mix
65%RE $34.7M30%C&I $15.7M5%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $110.8M19%Noninterest $26.1MQ2 2025Q2 2026

NIM

5.54%Q2 ’245.88%Q2 ’255.87%Q2 ’26+6%+1%

Non-interest income vs. expense

2.74%Q2 ’242.90%Q2 ’252.87%Q2 ’26+11%-1%

Executive Summary

  • Earnings: ROA of 1.18%, up 14 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.05%, down 45 bps from a year ago.
  • Funding: loans stand at 82.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+4 bps YoY

Efficiency Ratio (YTD, annualized)

64.69%-112 bps YoY

Tier 1 Leverage Ratio

9.05%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.04%0.98%1.19%1.18%+14 bps
Return on Equity13.18%12.74%12.16%14.58%14.15%+97 bps
Net Interest Margin4.02%4.05%3.81%3.97%4.06%+4 bps
Efficiency Ratio65.81%66.55%68.35%63.68%64.69%-112 bps
Non-Interest Burden2.52%2.56%2.49%2.38%2.49%-3 bps
Growth
Asset Growth (YoY)2.09%7.70%9.03%8.11%9.58%+749 bps
Loan Growth (YoY)12.38%13.22%13.83%7.50%9.94%-244 bps
Deposit Growth (YoY)-0.85%0.05%11.52%11.42%11.41%+1,226 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.00%0.00%0.00%0.00%-12 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans1.19%1.18%1.10%1.24%1.21%+2 bps
Allowance Coverage of NPLs9.6xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.50%9.72%8.75%8.90%9.05%-45 bps
Total Risk-Based Capital12.72%12.69%11.22%12.72%12.50%-22 bps
Equity / Assets8.31%8.71%7.85%8.53%8.71%+40 bps
Liquidity & Funding
Loans / Deposits83.62%90.00%92.58%80.56%82.51%-110 bps
Liquid Assets / Assets0.41%0.40%0.37%4.02%3.86%+345 bps
CRE / Total Capitaln/a87.57%82.49%73.30%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

Bank of Hartington

Hartington, NE · Cert 13962 · Peer group: banks under $1B in assets in NE (n=83) · Cedar Bcorp

State charter, Fed member · FED · 2 branches

Q2 2026

$151.0MAssets
$113.0MLoans
$136.9MDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in NE (rank 80 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.18%

Rank 47 of 83

Net Interest Margin

4.06%

Rank 18 of 83

Efficiency Ratio

64.69%

Rank 53 of 83

Equity / Assets

8.71%

Rank 80 of 83

Non-interest income vs. expense

$0.6M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 37% of banks under $1B in assets in NE
Bank 64.69%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.93%1.20%1.51%Beats 43%47 / 83
Return on Equity13.58%8.04%10.34%13.11%Beats 82%15 / 83
Net Interest Margin4.06%3.25%3.62%4.02%Beats 78%18 / 83
Efficiency Ratio64.69%51.13%59.95%67.19%Beats 37%53 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio11.39%10.94%13.24%16.62%Beats 31%57 / 83
Total Risk-Based Capital Ratio12.50%11.04%13.54%17.63%Beats 40%50 / 83
Equity / Assets8.71%9.90%11.31%13.84%Beats 4%80 / 83
Liquidity & Funding
Loans / Deposits82.51%71.97%83.15%92.22%47th pctl44 / 83
Loans / Assets74.82%57.96%69.15%77.64%63rd pctl31 / 83
Brokered Deposits / Depositsn/aNot reported for this institution