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Generations Bank

Exeter, NE · Cert 14096 · Glaass Financial LLC

State charter, non-member · FDIC · 1 branch

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

56

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

17

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 2026-10-10

Generations Bank

Exeter, NE · Cert 14096 · Glaass Financial LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.3MAssets
$44.1MLoans
$46.8MDeposits
$6.1MEquity
Loan mix
78%RE $28.1M18%C&I $6.5M4%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $36.7M22%Noninterest $10.1MQ2 2025Q2 2026

NIM

5.68%Q2 ’245.66%Q2 ’255.62%Q2 ’26+1%-2%

Non-interest income vs. expense

2.75%Q2 ’242.90%Q2 ’252.80%Q2 ’26+8%-5%

Executive Summary

  • Earnings: ROA of 0.81%, up 4 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.90% of loans (+173 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.58%, down 32 bps from a year ago.
  • Funding: loans stand at 94.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.53%-6 bps YoY

Efficiency Ratio (YTD, annualized)

71.33%-177 bps YoY

Tier 1 Leverage Ratio

10.58%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.89%0.86%0.66%0.81%+4 bps
Return on Equity8.54%9.51%9.16%6.75%8.08%-45 bps
Net Interest Margin3.59%3.60%3.44%3.45%3.53%-6 bps
Efficiency Ratio73.10%69.52%71.09%75.87%71.33%-177 bps
Non-Interest Burden2.49%2.37%2.31%2.49%2.38%-12 bps
Growth
Asset Growth (YoY)5.03%8.46%10.53%10.32%6.81%+178 bps
Loan Growth (YoY)8.68%13.31%18.69%16.09%9.04%+36 bps
Deposit Growth (YoY)7.86%8.44%6.91%1.87%0.05%-780 bps
Asset Quality
Nonperforming Loans / Loans0.18%1.58%0.98%1.85%1.90%+173 bps
Net Charge-Offs / Loans0.00%-0.03%-0.02%0.00%0.00%0 bps
Allowance / Loans1.49%1.44%1.37%1.46%1.53%+4 bps
Allowance Coverage of NPLs8.5x0.9x1.4x0.8x0.8x-7.7x
Capital
Tier 1 Leverage Ratio10.89%10.79%9.95%10.18%10.58%-32 bps
Total Risk-Based Capital10.89%10.79%9.95%10.18%10.58%-32 bps
Equity / Assets10.46%10.37%9.48%9.99%10.49%+3 bps
Liquidity & Funding
Loans / Deposits86.37%96.28%97.17%93.85%94.13%+775 bps
Liquid Assets / Assets0.91%0.64%0.94%1.35%1.03%+12 bps
CRE / Total Capitaln/a107.54%123.43%105.42%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 2026-10-10

Generations Bank

Exeter, NE · Cert 14096 · Peer group: banks under $1B in assets in NE (n=83) · Glaass Financial LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$58.3MAssets
$44.1MLoans
$46.8MDeposits
$6.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets in NE (rank 74 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.83%

Rank 70 of 83

Net Interest Margin

3.53%

Rank 47 of 83

Efficiency Ratio

71.33%

Rank 70 of 83

Equity / Assets

10.49%

Rank 53 of 83

Non-interest income vs. expense

$0.2M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 17% of banks under $1B in assets in NE
Bank 71.33%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.83%0.93%1.20%1.51%Beats 16%70 / 83
Return on Equity7.92%8.04%10.34%13.11%Beats 18%68 / 83
Net Interest Margin3.53%3.25%3.62%4.02%Beats 43%47 / 83
Efficiency Ratio71.33%51.13%59.95%67.19%Beats 17%70 / 83
Asset Quality
Nonperforming Loans / Loans1.90%0.00%0.19%0.96%Beats 12%74 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio10.58%10.94%13.24%16.62%Beats 20%66 / 83
Total Risk-Based Capital Ratio10.58%11.04%13.54%17.63%Beats 20%66 / 83
Equity / Assets10.49%9.90%11.31%13.84%Beats 36%53 / 83
Liquidity & Funding
Loans / Deposits94.13%71.97%83.15%92.22%78th pctl18 / 83
Loans / Assets75.64%57.96%69.15%77.64%70th pctl25 / 83
Brokered Deposits / Depositsn/aNot reported for this institution