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Town & Country Bank

Ravenna, NE · Cert 1434 · Platte Valley Cattle Co.

State charter, Fed member · FED · 4 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

69

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

Town & Country Bank

Ravenna, NE · Cert 1434 · Platte Valley Cattle Co.

State charter, Fed member · FED · 4 branches

Q2 2026

$228.9MAssets
$154.2MLoans
$194.1MDeposits
$28.8MEquity
Loan mix
81%RE $60.8M15%C&I $11.2M5%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $156.3M19%Noninterest $37.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.69%, up 3 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.09%, up 54 bps from a year ago.
  • Funding: loans stand at 79.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.69%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+18 bps YoY

Efficiency Ratio (YTD, annualized)

53.99%+75 bps YoY

Tier 1 Leverage Ratio

14.09%+54 bps YoY

NIM

5.69%Q2 ’245.55%Q2 ’255.47%Q2 ’26+1%+5%

Non-interest income vs. expense

2.22%Q2 ’242.22%Q2 ’252.33%Q2 ’26-3%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.46%1.65%1.66%1.76%1.62%1.67%1.69%+3 bps
Return on Equity14.59%13.58%15.16%14.85%15.41%14.12%13.77%13.74%-111 bps
Net Interest Margin3.63%3.67%3.70%3.84%3.80%3.82%3.90%4.02%+18 bps
Efficiency Ratio52.61%52.84%53.92%53.24%50.66%50.81%55.26%53.99%+75 bps
Non-Interest Burden1.78%1.81%1.86%1.89%1.76%1.79%2.02%2.03%+14 bps
Growth
Asset Growth (YoY)9.16%2.29%4.22%1.20%1.10%5.03%3.26%4.48%+327 bps
Loan Growth (YoY)12.24%8.64%7.67%1.52%-0.84%4.76%4.79%6.26%+474 bps
Deposit Growth (YoY)6.76%5.36%3.88%1.69%7.88%-0.30%1.90%1.19%-50 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.01%0.01%0.01%0.01%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.15%1.23%1.21%1.19%1.23%1.31%1.27%+6 bps
Allowance Coverage of NPLsn/a146.5x159.8x159.9x175.9x217.7x244.9x326.5x+166.6x
Capital
Tier 1 Leverage Ratio13.06%13.07%13.22%13.55%13.54%13.36%13.67%14.09%+54 bps
Total Risk-Based Capital13.06%13.07%13.22%13.55%13.54%13.36%13.67%14.09%+54 bps
Equity / Assets11.52%10.41%11.34%11.71%12.31%11.70%12.52%12.59%+88 bps
Liquidity & Funding
Loans / Deposits81.04%80.47%73.50%75.63%74.49%84.55%75.58%79.41%+379 bps
Liquid Assets / Assets1.02%1.00%1.03%1.03%1.00%0.85%0.89%0.87%-16 bps
CRE / Total Capitaln/an/an/an/a33.43%31.95%34.65%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

Town & Country Bank

Ravenna, NE · Cert 1434 · Peer group: banks under $1B in assets in NE (n=83) · Platte Valley Cattle Co.

State charter, Fed member · FED · 4 branches

Q2 2026

$228.9MAssets
$154.2MLoans
$194.1MDeposits
$28.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: total risk-based capital ratio trails 47% of banks under $1B in assets in NE (rank 39 of 83).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.70%

Rank 12 of 83

Net Interest Margin

4.02%

Rank 22 of 83

Efficiency Ratio

53.99%

Rank 27 of 83

Equity / Assets

12.59%

Rank 29 of 83

Non-interest income vs. expense

$0.7M$5.4MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 69% of banks under $1B in assets in NE
Bank 53.99%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.70%0.93%1.20%1.51%Beats 86%12 / 83
Return on Equity13.51%8.04%10.34%13.11%Beats 81%16 / 83
Net Interest Margin4.02%3.25%3.62%4.02%Beats 73%22 / 83
Efficiency Ratio53.99%51.13%59.95%67.19%Beats 69%27 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 73%23 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio14.09%10.94%13.24%16.62%Beats 58%35 / 83
Total Risk-Based Capital Ratio14.09%11.04%13.54%17.63%Beats 53%39 / 83
Equity / Assets12.59%9.90%11.31%13.84%Beats 65%29 / 83
Liquidity & Funding
Loans / Deposits79.41%71.97%83.15%92.22%40th pctl50 / 83
Loans / Assets67.36%57.96%69.15%77.64%43rd pctl47 / 83
Brokered Deposits / Depositsn/aNot reported for this institution