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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

6.62%Q2 ’246.29%Q2 ’255.75%Q2 ’26-4%-9%

Non-interest income vs. expense

1.77%Q2 ’241.53%Q2 ’251.66%Q2 ’26-14%+10%

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 3.01%, down 23 bps year over year; NIM at 5.30%.
  • 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 (quarter, annualized)

3.01%-23 bps YoY

Net Interest Margin (quarter, annualized)

5.30%-49 bps YoY

Efficiency Ratio (quarter, annualized)

30.64%+485 bps YoY

Tier 1 Leverage Ratio

20.06%+11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.24%3.07%3.67%2.70%3.01%-23 bps
Return on Equity17.78%16.23%19.04%14.31%15.08%-271 bps
Net Interest Margin5.79%5.71%5.52%5.00%5.30%-49 bps
Efficiency Ratio25.79%28.26%28.70%32.17%30.64%+485 bps
Non-Interest Burden1.40%1.52%1.49%1.52%1.54%+13 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