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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

4.62%Q2 ’245.03%Q2 ’255.04%Q2 ’26+13%+2%

Non-interest income vs. expense

2.01%Q2 ’241.87%Q2 ’252.02%Q2 ’26-37%+60%

Executive Summary

  • Earnings: ROA of 2.01%, up 3 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.02% of loans (-280 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

2.01%+3 bps YoY

Net Interest Margin (quarter, annualized)

4.03%+10 bps YoY

Efficiency Ratio (quarter, annualized)

42.74%+511 bps YoY

Tier 1 Leverage Ratio

13.98%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%2.07%2.12%1.85%2.01%+3 bps
Return on Equity14.86%15.06%15.02%13.09%14.36%-50 bps
Net Interest Margin3.93%3.89%3.99%3.97%4.03%+10 bps
Efficiency Ratio37.63%41.77%42.06%47.31%42.74%+511 bps
Non-Interest Burden0.81%1.22%1.27%1.51%1.29%+48 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 / Loans-0.03%0.01%0.01%0.47%0.03%+6 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