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Exchange Bank

Kearney, NE · Cert 1435 · Exchange Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

98

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

Exchange Bank

Kearney, NE · Cert 1435 · Exchange Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.2BDeposits
$178.2MEquity
Loan mix
94%RE $897.1M6%C&I $53.9M0%Consumer $4.2MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $1.1B8%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.35%Q2 ’245.58%Q2 ’255.71%Q2 ’26+10%+14%

Non-interest income vs. expense

1.31%Q2 ’241.29%Q2 ’251.26%Q2 ’26-2%+0%

Market Position · Grand Island, NE · 2026 SOD (annual) · 10.9% share · #2 of 22 inst. · $0.4B of $3.6B

12.5% Hall
12.3% Buffalo
1.5% Lancaster
17.0% Geary

Executive Summary

  • Earnings: ROA of 1.69%, up 29 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 3.49% of loans (+218 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.39%, up 106 bps from a year ago.
  • Funding: loans stand at 89.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+38 bps YoY

Efficiency Ratio (YTD, annualized)

37.27%-537 bps YoY

Tier 1 Leverage Ratio

11.39%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.42%1.47%1.52%1.69%+29 bps
Return on Equity14.85%14.76%14.92%14.24%15.50%+64 bps
Net Interest Margin2.73%2.76%2.81%2.91%3.11%+38 bps
Efficiency Ratio42.64%42.10%41.11%39.62%37.27%-537 bps
Non-Interest Burden0.99%0.99%0.97%0.99%0.99%0 bps
Growth
Asset Growth (YoY)7.93%6.86%5.58%4.53%2.86%-507 bps
Loan Growth (YoY)5.16%4.58%5.23%3.67%1.47%-368 bps
Deposit Growth (YoY)4.79%1.78%-0.39%3.56%2.25%-255 bps
Asset Quality
Nonperforming Loans / Loans1.31%1.71%1.48%3.51%3.49%+218 bps
Net Charge-Offs / Loans0.06%0.07%0.08%0.27%0.01%-5 bps
Allowance / Loans1.40%1.39%1.38%1.35%1.39%0 bps
Allowance Coverage of NPLs1.1x0.8x0.9x0.4x0.4x-0.7x
Capital
Tier 1 Leverage Ratio10.32%10.72%11.10%10.77%11.39%+106 bps
Total Risk-Based Capital10.32%10.72%11.10%10.77%11.39%+106 bps
Equity / Assets9.33%10.24%10.83%10.52%11.31%+198 bps
Liquidity & Funding
Loans / Deposits89.96%89.88%90.06%88.80%89.28%-68 bps
Liquid Assets / Assets0.03%0.02%0.04%0.00%0.06%+3 bps
CRE / Total Capitaln/a311%302%303%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

Exchange Bank

Kearney, NE · Cert 1435 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Exchange Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.2BDeposits
$178.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
  • Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets operating regionally (rank 174 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.68%

Rank 22 of 176

Net Interest Margin

3.12%

Rank 148 of 176

Efficiency Ratio

37.27%

Rank 4 of 176

Equity / Assets

11.31%

Rank 58 of 176

Non-interest income vs. expense

$4.2M$20.1MINCOMEEXPENSE
Unfavorable gap of $15.8M · efficiency ratio beats 98% of banks $1B-$10B in assets operating regionally
Bank 37.27%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.68%0.93%1.26%1.54%Beats 88%22 / 176
Return on Equity14.86%9.26%11.89%14.46%Beats 78%39 / 176
Net Interest Margin3.12%3.25%3.59%3.93%Beats 16%148 / 176
Efficiency Ratio37.27%52.79%59.55%67.66%Beats 98%4 / 176
Asset Quality
Nonperforming Loans / Loans3.49%0.30%0.64%1.32%Beats 2%174 / 176
Net Charge-Offs / Loans0.09%0.01%0.04%0.10%Beats 31%124 / 176
Capital
Tier 1 Capital Ratio11.39%11.15%12.72%14.15%Beats 31%122 / 176
Total Risk-Based Capital Ratio11.39%11.81%13.63%15.33%Beats 18%145 / 176
Equity / Assets11.31%9.16%10.35%11.80%Beats 67%58 / 176
Liquidity & Funding
Loans / Deposits89.28%80.94%89.73%97.21%47th pctl93 / 176
Loans / Assets69.11%69.25%75.12%80.82%24th pctl133 / 176
Brokered Deposits / Depositsn/aNot reported for this institution