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Butte State Bank

Butte, NE · Cert 16110

State charter, Fed member · 2 branches

Q1 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: Q1 2026, the quarter ended March 31, 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=84). 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

18

Q2 2024Q1 2026peer median (50)

Asset Quality

21

Q2 2024Q1 2026peer median (50)

Profitability

25

Q2 2024Q1 2026peer median (50)

Liquidity

71

Q2 2024Q1 2026peer median

Efficiency

11

Q2 2024Q1 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

Butte State Bank

Butte, NE · Cert 16110

State charter, Fed member · 2 branches

Q1 2026

$58.4MAssets
$36.7MLoans
$50.9MDeposits
$5.3MEquity
Loan mix
90%RE $20.1M8%C&I $1.7M3%Consumer $0.6MQ1 2025Q1 2026
Deposit mix
78%Interest-bearing $39.5M22%Noninterest $11.4MQ1 2025Q1 2026

NIM

4.72%Q1 ’244.90%Q1 ’255.05%Q1 ’26+6%+16%

Non-interest income vs. expense

2.59%Q1 ’242.60%Q1 ’253.08%Q1 ’26+3%+19%

Executive Summary

  • Earnings: ROA of 0.64%, down 1 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.46% of loans (+46 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.66%, down 5 bps from a year ago.
  • Funding: loans stand at 72.21% of deposits as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+48 bps YoY

Efficiency Ratio (YTD, annualized)

77.84%+192 bps YoY

Tier 1 Leverage Ratio

10.66%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.77%0.79%0.79%0.64%-1 bps
Return on Equity7.33%8.47%8.56%8.39%6.67%-66 bps
Net Interest Margin3.07%3.15%3.22%3.26%3.55%+48 bps
Efficiency Ratio75.92%72.52%72.27%72.25%77.84%+192 bps
Non-Interest Burden2.24%2.18%2.22%2.25%2.67%+43 bps
Growth
Asset Growth (YoY)0.89%-0.02%1.42%-0.19%1.91%+101 bps
Loan Growth (YoY)-0.94%1.09%3.01%-1.25%7.77%+871 bps
Deposit Growth (YoY)0.21%-2.77%-0.27%-1.80%2.75%+254 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.07%0.46%+46 bps
Net Charge-Offs / Loans0.01%-0.01%0.00%-0.01%0.00%-1 bps
Allowance / Loans1.14%1.12%1.11%1.08%1.07%-7 bps
Allowance Coverage of NPLsn/an/an/a16.3x2.3xn/a
Capital
Tier 1 Leverage Ratio10.70%10.81%10.85%11.25%10.66%-5 bps
Total Risk-Based Capital10.70%10.81%10.85%11.25%10.66%-5 bps
Equity / Assets9.02%9.64%9.60%10.09%9.03%+1 bps
Liquidity & Funding
Loans / Deposits68.85%73.87%73.29%75.74%72.21%+337 bps
Liquid Assets / Assets0.25%0.72%0.28%0.22%0.30%+6 bps
CRE / Total Capitaln/an/a59.59%41.81%48.55%n/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

Butte State Bank

Butte, NE · Cert 16110 · Peer group: banks under $1B in assets in NE (n=84)

State charter, Fed member · 2 branches

Q1 2026

$58.4MAssets
$36.7MLoans
$50.9MDeposits
$5.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 44% of banks under $1B in assets in NE (rank 47 of 84).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets in NE (rank 78 of 84).
  • Overall: at or above the peer median on 0 of 10 directional measures.

Return on Assets

0.64%

Rank 74 of 84

Net Interest Margin

3.55%

Rank 47 of 84

Efficiency Ratio

77.84%

Rank 76 of 84

Equity / Assets

9.03%

Rank 75 of 84

Non-interest income vs. expense

$0.2M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 11% of banks under $1B in assets in NE
Bank 77.84%Peer median 61.0%Q2 2024Q1 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.89%1.17%1.44%Beats 12%74 / 84
Return on Equity7.03%7.97%10.18%13.60%Beats 20%67 / 84
Net Interest Margin3.55%3.25%3.61%3.92%Beats 44%47 / 84
Efficiency Ratio77.84%51.18%60.95%69.19%Beats 11%76 / 84
Asset Quality
Nonperforming Loans / Loans0.46%0.00%0.19%0.81%Beats 33%57 / 84
Net Charge-Offs / Loans0.07%n/an/a0.00%Beats 8%78 / 84
Capital
Tier 1 Capital Ratio10.66%11.02%13.32%16.28%Beats 21%66 / 84
Total Risk-Based Capital Ratio10.66%11.04%13.59%17.26%Beats 21%66 / 84
Equity / Assets9.03%9.69%11.52%13.65%Beats 11%75 / 84
Liquidity & Funding
Loans / Deposits72.21%69.20%80.63%90.89%27th pctl61 / 84
Loans / Assets62.90%57.03%68.17%76.31%33rd pctl56 / 84
Brokered Deposits / Deposits5.40%n/a0.80%7.12%Beats 33%57 / 84