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New Era Bank

Fredericktown, MO · Cert 14546 · New Era Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$453.1MAssets
$254.3MLoans
$387.7MDeposits
$63.7MEquity
Loan mix
93%RE $225.4M4%C&I $9.7M3%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $374.3M3%Noninterest $13.4MQ2 2025Q2 2026

NIM

4.45%Q2 ’244.86%Q2 ’254.99%Q2 ’26+12%+6%

Non-interest income vs. expense

2.06%Q2 ’241.84%Q2 ’252.08%Q2 ’26-26%+38%

Executive Summary

  • Earnings: ROA of 1.93%, up 24 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.02% of loans (-280 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 13.98%, up 94 bps from a year ago.
  • Funding: loans stand at 65.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.93%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+22 bps YoY

Efficiency Ratio (YTD, annualized)

44.97%+449 bps YoY

Tier 1 Leverage Ratio

13.98%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.82%1.90%1.85%1.93%+24 bps
Return on Equity12.75%13.53%13.97%13.09%13.71%+96 bps
Net Interest Margin3.74%3.77%3.80%3.97%3.97%+22 bps
Efficiency Ratio40.48%40.91%41.21%47.31%44.97%+449 bps
Non-Interest Burden1.01%1.07%1.11%1.51%1.39%+39 bps
Growth
Asset Growth (YoY)3.39%5.43%3.11%3.54%4.49%+110 bps
Loan Growth (YoY)-5.16%-4.56%-2.75%-0.06%3.22%+838 bps
Deposit Growth (YoY)2.22%4.63%1.76%2.53%3.88%+166 bps
Asset Quality
Nonperforming Loans / Loans2.83%0.79%0.78%0.04%0.02%-280 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.47%0.25%+23 bps
Allowance / Loans1.53%1.51%1.48%1.38%1.40%-13 bps
Allowance Coverage of NPLs0.5x1.9x1.9x32.7x58.4x+57.9x
Capital
Tier 1 Leverage Ratio13.04%13.34%13.48%13.88%13.98%+94 bps
Total Risk-Based Capital13.04%13.34%13.48%13.88%13.98%+94 bps
Equity / Assets13.57%13.92%14.27%13.95%14.06%+49 bps
Liquidity & Funding
Loans / Deposits66.01%66.49%68.31%66.11%65.59%-42 bps
Liquid Assets / Assets12.25%9.36%7.30%8.64%9.81%-244 bps
CRE / Total Capitaln/a186.28%189.51%176.35%n/an/a