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American Interstate Bank

Elkhorn, NE · Cert 1439 · American Interstate Bcorp Inc.

State charter, non-member · FDIC · 3 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 the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

96

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

American Interstate Bank

Elkhorn, NE · Cert 1439 · American Interstate Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$132.0MAssets
$73.5MLoans
$105.3MDeposits
$26.6MEquity
Loan mix
86%RE $57.9M14%C&I $9.2M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $78.9M25%Noninterest $26.3MQ2 2025Q2 2026

NIM

6.34%Q2 ’246.14%Q2 ’255.54%Q2 ’26-4%-10%

Non-interest income vs. expense

1.72%Q2 ’241.57%Q2 ’251.64%Q2 ’26-8%+5%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #42 of 77 inst. · $0.1B of $42.7B

Executive Summary

  • Earnings: ROA of 2.83%, down 40 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.00% of loans (-53 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.06%, up 11 bps from a year ago.
  • Funding: loans stand at 69.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.83%-40 bps YoY

Net Interest Margin (YTD, annualized)

5.10%-55 bps YoY

Efficiency Ratio (YTD, annualized)

31.37%+422 bps YoY

Tier 1 Leverage Ratio

20.06%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.23%3.24%3.34%2.70%2.83%-40 bps
Return on Equity17.49%17.04%17.76%14.31%14.69%-280 bps
Net Interest Margin5.65%5.63%5.40%5.00%5.10%-55 bps
Efficiency Ratio27.16%27.53%27.83%32.17%31.37%+422 bps
Non-Interest Burden1.45%1.46%1.42%1.52%1.51%+7 bps
Growth
Asset Growth (YoY)0.16%-1.98%17.15%6.27%-5.77%-593 bps
Loan Growth (YoY)-18.49%-3.22%-1.99%-6.80%6.62%+2,510 bps
Deposit Growth (YoY)-1.66%-4.50%18.72%5.41%-8.91%-726 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.00%0.00%0.00%0.00%-53 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.19%2.22%1.92%1.94%1.78%-41 bps
Allowance Coverage of NPLs4.2xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio19.96%20.82%18.66%19.52%20.06%+11 bps
Total Risk-Based Capital19.96%20.82%18.66%19.52%20.06%+11 bps
Equity / Assets17.40%20.63%18.02%19.79%20.11%+271 bps
Liquidity & Funding
Loans / Deposits59.66%69.09%62.14%65.92%69.83%+1,017 bps
Liquid Assets / Assets36.94%42.80%46.76%44.84%42.00%+505 bps
CRE / Total Capitaln/a109.90%118.25%121.76%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

American Interstate Bank

Elkhorn, NE · Cert 1439 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · American Interstate Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$132.0MAssets
$73.5MLoans
$105.3MDeposits
$26.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 4 of 24).
  • Widest gap: return on equity trails 33% of banks under $1B in assets in the Omaha, NE-IA area (rank 8 of 24).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

2.82%

Rank 1 of 24

Net Interest Margin

5.10%

Rank 1 of 24

Efficiency Ratio

31.37%

Rank 2 of 24

Equity / Assets

20.11%

Rank 1 of 24

Non-interest income vs. expense

$0.2M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 96% of banks under $1B in assets in the Omaha, NE-IA area
Bank 31.37%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.82%0.92%1.29%1.77%Beats 96%1 / 24
Return on Equity14.02%9.64%12.01%15.30%Beats 67%8 / 24
Net Interest Margin5.10%3.02%3.76%3.98%Beats 96%1 / 24
Efficiency Ratio31.37%49.60%59.31%66.55%Beats 96%2 / 24
Asset Quality
Nonperforming Loans / Loans0.00%0.10%0.37%1.03%Beats 100%4 / 24
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%12 / 24
Capital
Tier 1 Capital Ratio20.06%10.53%11.57%13.63%Beats 96%1 / 24
Total Risk-Based Capital Ratio20.06%11.15%12.06%13.90%Beats 96%1 / 24
Equity / Assets20.11%8.87%10.14%12.27%Beats 96%1 / 24
Liquidity & Funding
Loans / Deposits69.83%75.32%83.30%93.06%21st pctl19 / 24
Loans / Assets55.68%65.68%71.67%75.94%21st pctl19 / 24
Brokered Deposits / Depositsn/aNot reported for this institution