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Letter portraitLegal landscapeQuarterYTD

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 $3.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $156.3M19%Noninterest $37.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.76%1.62%1.67%1.69%+3 bps
Return on Equity14.85%15.41%14.12%13.77%13.74%-111 bps
Net Interest Margin3.84%3.80%3.82%3.90%4.02%+18 bps
Efficiency Ratio53.24%50.66%50.81%55.26%53.99%+75 bps
Non-Interest Burden1.89%1.76%1.79%2.02%2.03%+14 bps
Growth
Asset Growth (YoY)1.20%1.10%5.03%3.26%4.48%+327 bps
Loan Growth (YoY)1.52%-0.84%4.76%4.79%6.26%+474 bps
Deposit Growth (YoY)1.69%7.88%-0.30%1.90%1.19%-50 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.01%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.21%1.19%1.23%1.31%1.27%+6 bps
Allowance Coverage of NPLs159.9x175.9x217.7x244.9x326.5x+166.6x
Capital
Tier 1 Leverage Ratio13.55%13.54%13.36%13.67%14.09%+54 bps
Total Risk-Based Capital13.55%13.54%13.36%13.67%14.09%+54 bps
Equity / Assets11.71%12.31%11.70%12.52%12.59%+88 bps
Liquidity & Funding
Loans / Deposits75.63%74.49%84.55%75.58%79.41%+379 bps
Liquid Assets / Assets1.03%1.00%0.85%0.89%0.87%-16 bps
CRE / Total Capitaln/a33.43%31.95%34.65%n/an/a