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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 $1.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $36.7M22%Noninterest $10.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.70%0.55%0.77%0.89%0.86%0.66%0.81%+4 bps
Return on Equity10.59%8.43%6.67%8.54%9.51%9.16%6.75%8.08%-45 bps
Net Interest Margin3.53%3.45%3.49%3.59%3.60%3.44%3.45%3.53%-6 bps
Efficiency Ratio66.60%69.59%79.54%73.10%69.52%71.09%75.87%71.33%-177 bps
Non-Interest Burden2.16%2.24%2.67%2.49%2.37%2.31%2.49%2.38%-12 bps
Growth
Asset Growth (YoY)13.02%8.39%2.88%5.03%8.46%10.53%10.32%6.81%+178 bps
Loan Growth (YoY)24.09%13.20%9.63%8.68%13.31%18.69%16.09%9.04%+36 bps
Deposit Growth (YoY)11.72%11.07%6.31%7.86%8.44%6.91%1.87%0.05%-780 bps
Asset Quality
Nonperforming Loans / Loans1.62%0.07%0.36%0.18%1.58%0.98%1.85%1.90%+173 bps
Net Charge-Offs / Loans0.41%0.40%0.00%0.00%-0.03%-0.02%0.00%0.00%0 bps
Allowance / Loans1.47%1.45%1.51%1.49%1.44%1.37%1.46%1.53%+4 bps
Allowance Coverage of NPLs0.9x19.9x4.2x8.5x0.9x1.4x0.8x0.8x-7.7x
Capital
Tier 1 Leverage Ratio9.18%9.00%9.02%10.89%10.79%9.95%10.18%10.58%-32 bps
Total Risk-Based Capital9.18%9.00%9.02%10.89%10.79%9.95%10.18%10.58%-32 bps
Equity / Assets8.84%7.95%8.62%10.46%10.37%9.48%9.99%10.49%+3 bps
Liquidity & Funding
Loans / Deposits92.14%87.53%82.36%86.37%96.28%97.17%93.85%94.13%+775 bps
Liquid Assets / Assets0.54%4.68%2.99%0.91%0.64%0.94%1.35%1.03%+12 bps
CRE / Total Capitaln/an/an/an/a107.54%123.43%105.42%n/an/a