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First State Bank

Randolph, NE · Cert 15364 · First State Bcorp Inc.

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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

41

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

First State Bank

Randolph, NE · Cert 15364 · First State Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$86.3MAssets
$60.0MLoans
$54.2MDeposits
$8.9MEquity
Loan mix
91%RE $21.4M5%C&I $1.3M3%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $46.9M14%Noninterest $7.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.96%, down 24 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.53%, down 120 bps from a year ago.
  • Funding: loans stand at 110.56% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.96%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-26 bps YoY

Efficiency Ratio (YTD, annualized)

63.15%+587 bps YoY

Tier 1 Leverage Ratio

10.53%-120 bps YoY

NIM

6.39%Q2 ’246.39%Q2 ’255.63%Q2 ’26-8%-8%

Non-interest income vs. expense

2.18%Q2 ’241.98%Q2 ’251.97%Q2 ’26-10%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.11%1.21%1.20%1.21%1.14%1.14%0.96%-24 bps
Return on Equity9.75%9.35%10.62%10.60%10.49%9.98%10.81%9.22%-137 bps
Net Interest Margin3.21%3.10%3.10%3.08%3.21%3.22%3.01%2.82%-26 bps
Efficiency Ratio59.55%60.78%57.37%57.28%57.82%59.85%59.26%63.15%+587 bps
Non-Interest Burden1.75%1.74%1.58%1.60%1.70%1.79%1.63%1.67%+8 bps
Growth
Asset Growth (YoY)7.43%6.95%8.93%8.52%2.81%8.55%14.03%12.19%+367 bps
Loan Growth (YoY)16.87%13.78%14.26%12.12%6.93%5.30%17.60%11.53%-59 bps
Deposit Growth (YoY)2.66%2.30%3.85%4.80%1.20%11.31%-0.11%-0.54%-535 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.84%1.74%1.73%1.74%1.72%1.65%1.47%1.55%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.88%12.61%11.90%11.72%12.17%11.91%11.04%10.53%-120 bps
Total Risk-Based Capital12.88%12.61%11.90%11.72%12.17%11.91%11.04%10.53%-120 bps
Equity / Assets11.81%11.83%10.96%11.34%11.91%11.10%9.98%10.35%-99 bps
Liquidity & Funding
Loans / Deposits96.40%105.24%98.67%98.59%101.86%99.55%116.16%110.56%+1,197 bps
Liquid Assets / Assets2.39%2.41%2.34%1.65%1.67%1.61%1.53%1.48%-18 bps
CRE / Total Capitaln/an/an/an/a53.02%56.81%45.23%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

First State Bank

Randolph, NE · Cert 15364 · Peer group: banks under $1B in assets in NE (n=83) · First State Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$86.3MAssets
$60.0MLoans
$54.2MDeposits
$8.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in NE (rank 74 of 83).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.95%

Rank 62 of 83

Net Interest Margin

2.82%

Rank 74 of 83

Efficiency Ratio

63.15%

Rank 50 of 83

Equity / Assets

10.35%

Rank 56 of 83

Non-interest income vs. expense

$0.3M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 41% of banks under $1B in assets in NE
Bank 63.15%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.95%0.93%1.20%1.51%Beats 25%62 / 83
Return on Equity9.14%8.04%10.34%13.11%Beats 34%55 / 83
Net Interest Margin2.82%3.25%3.62%4.02%Beats 11%74 / 83
Efficiency Ratio63.15%51.13%59.95%67.19%Beats 41%50 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio10.53%10.94%13.24%16.62%Beats 19%67 / 83
Total Risk-Based Capital Ratio10.53%11.04%13.54%17.63%Beats 19%67 / 83
Equity / Assets10.35%9.90%11.31%13.84%Beats 33%56 / 83
Liquidity & Funding
Loans / Deposits110.56%71.97%83.15%92.22%95th pctl4 / 83
Loans / Assets69.46%57.96%69.15%77.64%52nd pctl40 / 83
Brokered Deposits / Depositsn/aNot reported for this institution