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Clarkson Bank

Clarkson, NE · Cert 14581 · Clarkson Bancshares LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

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 NE (n=83). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

76

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

87

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

Clarkson Bank

Clarkson, NE · Cert 14581 · Clarkson Bancshares LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$81.4MAssets
$43.4MLoans
$70.7MDeposits
$8.2MEquity
Loan mix
79%RE $20.0M17%C&I $4.3M4%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $50.3M29%Noninterest $20.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.71%, up 45 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.19% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.04%, down 24 bps from a year ago.
  • Funding: loans stand at 61.37% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.71%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+51 bps YoY

Efficiency Ratio (YTD, annualized)

45.66%-626 bps YoY

Tier 1 Leverage Ratio

11.04%-24 bps YoY

NIM

4.21%Q2 ’244.54%Q2 ’254.87%Q2 ’26+13%+17%

Non-interest income vs. expense

1.52%Q2 ’241.58%Q2 ’251.61%Q2 ’26+6%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.06%1.14%1.26%1.35%1.31%1.61%1.71%+45 bps
Return on Equity11.08%11.47%11.88%12.95%13.60%13.14%15.63%16.74%+379 bps
Net Interest Margin2.62%2.63%2.81%2.94%3.09%3.06%3.43%3.45%+51 bps
Efficiency Ratio55.64%55.43%53.66%51.92%49.69%51.14%47.09%45.66%-626 bps
Non-Interest Burden1.41%1.41%1.46%1.48%1.49%1.52%1.57%1.53%+5 bps
Growth
Asset Growth (YoY)6.05%3.36%4.07%3.66%1.05%7.92%2.42%10.05%+639 bps
Loan Growth (YoY)21.69%21.65%4.28%10.75%14.98%17.52%28.26%22.01%+1,126 bps
Deposit Growth (YoY)8.75%6.26%8.14%2.66%-1.22%-0.18%1.50%10.30%+763 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.35%0.33%0.28%0.22%0.21%0.19%-14 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%-0.01%0.00%-0.01%0.00%0 bps
Allowance / Loans2.64%2.37%2.63%2.51%2.30%2.02%2.05%2.06%-45 bps
Allowance Coverage of NPLs74.3x81.0x7.4x7.5x8.3x9.0x9.7x10.6x+3.1x
Capital
Tier 1 Leverage Ratio11.27%11.21%11.21%11.29%11.56%11.25%11.20%11.04%-24 bps
Total Risk-Based Capital11.27%11.21%11.21%11.29%11.56%11.25%11.20%11.04%-24 bps
Equity / Assets9.88%9.46%9.65%10.02%10.67%10.10%10.47%10.08%+6 bps
Liquidity & Funding
Loans / Deposits53.88%61.58%52.32%55.48%62.71%72.50%66.11%61.37%+589 bps
Liquid Assets / Assets9.56%5.22%12.77%7.77%2.08%1.94%3.41%11.47%+370 bps
CRE / Total Capitaln/an/an/an/a40.60%40.72%41.53%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

Clarkson Bank

Clarkson, NE · Cert 14581 · Peer group: banks under $1B in assets in NE (n=83) · Clarkson Bancshares LLC

State charter, non-member · FDIC · 1 branch

Q2 2026

$81.4MAssets
$43.4MLoans
$70.7MDeposits
$8.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in NE (rank 63 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.65%

Rank 13 of 83

Net Interest Margin

3.45%

Rank 52 of 83

Efficiency Ratio

45.66%

Rank 12 of 83

Equity / Assets

10.08%

Rank 61 of 83

Non-interest income vs. expense

$0.1M$1.3MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 87% of banks under $1B in assets in NE
Bank 45.66%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.65%0.93%1.20%1.51%Beats 84%13 / 83
Return on Equity16.41%8.04%10.34%13.11%Beats 94%5 / 83
Net Interest Margin3.45%3.25%3.62%4.02%Beats 37%52 / 83
Efficiency Ratio45.66%51.13%59.95%67.19%Beats 87%12 / 83
Asset Quality
Nonperforming Loans / Loans0.19%0.00%0.19%0.96%Beats 52%41 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio11.04%10.94%13.24%16.62%Beats 25%62 / 83
Total Risk-Based Capital Ratio11.04%11.04%13.54%17.63%Beats 24%63 / 83
Equity / Assets10.08%9.90%11.31%13.84%Beats 27%61 / 83
Liquidity & Funding
Loans / Deposits61.37%71.97%83.15%92.22%16th pctl70 / 83
Loans / Assets53.28%57.96%69.15%77.64%20th pctl66 / 83
Brokered Deposits / Depositsn/aNot reported for this institution