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Bank of Dixon County

Ponca, NE · Cert 14912 · Kingsbury BDC Finl Services

State charter, non-member · FDIC · 3 branches

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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

78

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

Bank of Dixon County

Ponca, NE · Cert 14912 · Kingsbury BDC Finl Services

State charter, non-member · FDIC · 3 branches

Q2 2026

$141.7MAssets
$95.7MLoans
$121.6MDeposits
$18.8MEquity
Loan mix
72%RE $44.3M17%C&I $10.8M11%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $94.7M22%Noninterest $26.9MQ2 2025Q2 2026

NIM

5.39%Q2 ’245.50%Q2 ’255.28%Q2 ’26+3%-2%

Non-interest income vs. expense

1.92%Q2 ’242.07%Q2 ’251.95%Q2 ’26+9%-5%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.2% share · #27 of 28 inst. · $0.0B of $4.6B

50.9% Dixon
2.5% Dakota

Executive Summary

  • Earnings: ROA of 1.64%, up 9 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 2.04% of loans (-43 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.29%, down 20 bps from a year ago.
  • Funding: loans stand at 78.70% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-9 bps YoY

Efficiency Ratio (YTD, annualized)

50.02%-159 bps YoY

Tier 1 Leverage Ratio

13.29%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.63%1.61%1.37%1.64%+9 bps
Return on Equity12.34%12.67%12.45%10.30%12.39%+5 bps
Net Interest Margin3.78%3.86%3.85%3.71%3.69%-9 bps
Efficiency Ratio51.61%51.15%51.99%55.75%50.02%-159 bps
Non-Interest Burden1.84%1.86%1.89%1.98%1.74%-10 bps
Growth
Asset Growth (YoY)2.62%1.43%1.14%9.13%10.39%+777 bps
Loan Growth (YoY)0.84%-0.32%2.71%3.85%6.38%+554 bps
Deposit Growth (YoY)1.06%-0.24%-0.56%8.90%10.22%+916 bps
Asset Quality
Nonperforming Loans / Loans2.47%2.03%1.94%1.97%2.04%-43 bps
Net Charge-Offs / Loans-0.02%0.12%0.10%0.00%0.00%+1 bps
Allowance / Loans1.29%1.20%1.19%1.20%1.13%-17 bps
Allowance Coverage of NPLs0.5x0.6x0.6x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio13.50%14.09%14.11%13.81%13.29%-20 bps
Total Risk-Based Capital22.48%23.19%23.03%23.71%23.60%+112 bps
Equity / Assets13.05%13.58%13.42%13.10%13.24%+19 bps
Liquidity & Funding
Loans / Deposits81.54%81.28%79.46%74.98%78.70%-284 bps
Liquid Assets / Assets14.23%12.35%12.84%22.09%15.30%+107 bps
CRE / Total Capitaln/a41.62%45.23%43.94%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

Bank of Dixon County

Ponca, NE · Cert 14912 · Peer group: banks under $1B in assets in NE (n=83) · Kingsbury BDC Finl Services

State charter, non-member · FDIC · 3 branches

Q2 2026

$141.7MAssets
$95.7MLoans
$121.6MDeposits
$18.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 92% of banks under $1B in assets in NE (rank 7 of 83).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in NE (rank 76 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.60%

Rank 15 of 83

Net Interest Margin

3.69%

Rank 36 of 83

Efficiency Ratio

50.02%

Rank 19 of 83

Equity / Assets

13.24%

Rank 27 of 83

Non-interest income vs. expense

$0.3M$2.9MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 78% of banks under $1B in assets in NE
Bank 50.02%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.60%0.93%1.20%1.51%Beats 82%15 / 83
Return on Equity12.08%8.04%10.34%13.11%Beats 66%28 / 83
Net Interest Margin3.69%3.25%3.62%4.02%Beats 57%36 / 83
Efficiency Ratio50.02%51.13%59.95%67.19%Beats 78%19 / 83
Asset Quality
Nonperforming Loans / Loans2.04%0.00%0.19%0.96%Beats 10%76 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 39%52 / 83
Capital
Tier 1 Capital Ratio21.22%10.94%13.24%16.62%Beats 89%9 / 83
Total Risk-Based Capital Ratio23.60%11.04%13.54%17.63%Beats 92%7 / 83
Equity / Assets13.24%9.90%11.31%13.84%Beats 67%27 / 83
Liquidity & Funding
Loans / Deposits78.70%71.97%83.15%92.22%37th pctl52 / 83
Loans / Assets67.54%57.96%69.15%77.64%45th pctl46 / 83
Brokered Deposits / Depositsn/aNot reported for this institution