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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 $1.1MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $50.3M29%Noninterest $20.4MQ2 2025Q2 2026

NIM

4.29%Q2 ’244.65%Q2 ’254.96%Q2 ’26+17%+16%

Non-interest income vs. expense

1.53%Q2 ’241.60%Q2 ’251.63%Q2 ’26+8%+2%

Executive Summary

  • Earnings: ROA of 1.84%, up 46 bps year over year; NIM at 3.58%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.84%+46 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+49 bps YoY

Efficiency Ratio (quarter, annualized)

44.34%-599 bps YoY

Tier 1 Leverage Ratio

11.04%-24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.54%1.22%1.61%1.84%+46 bps
Return on Equity13.97%14.88%11.75%15.63%17.88%+391 bps
Net Interest Margin3.09%3.30%3.27%3.43%3.58%+49 bps
Efficiency Ratio50.33%45.63%55.12%47.09%44.34%-599 bps
Non-Interest Burden1.51%1.47%1.77%1.57%1.54%+3 bps
Growth
Asset Growth (YoY)3.66%1.05%7.92%2.42%10.05%+639 bps
Loan Growth (YoY)10.75%14.98%17.52%28.26%22.01%+1,126 bps
Deposit Growth (YoY)2.66%-1.22%-0.18%1.50%10.30%+763 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.28%0.22%0.21%0.19%-14 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%-0.01%0.00%0 bps
Allowance / Loans2.51%2.30%2.02%2.05%2.06%-45 bps
Allowance Coverage of NPLs7.5x8.3x9.0x9.7x10.6x+3.1x
Capital
Tier 1 Leverage Ratio11.29%11.56%11.25%11.20%11.04%-24 bps
Total Risk-Based Capital11.29%11.56%11.25%11.20%11.04%-24 bps
Equity / Assets10.02%10.67%10.10%10.47%10.08%+6 bps
Liquidity & Funding
Loans / Deposits55.48%62.71%72.50%66.11%61.37%+589 bps
Liquid Assets / Assets7.77%2.08%1.94%3.41%11.47%+370 bps
CRE / Total Capitaln/a40.60%40.72%41.53%n/an/a