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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 $0.6MQ2 2024Q1 2026
Deposit mix
78%Interest-bearing $39.5M22%Noninterest $11.4MQ2 2024Q1 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.53%0.52%0.64%0.77%0.79%0.79%0.64%-1 bps
Return on Equity6.93%6.34%6.16%7.33%8.47%8.56%8.39%6.67%-66 bps
Net Interest Margin2.87%2.87%2.86%3.07%3.15%3.22%3.26%3.55%+48 bps
Efficiency Ratio78.06%79.35%79.83%75.92%72.52%72.27%72.25%77.84%+192 bps
Non-Interest Burden2.15%2.20%2.20%2.24%2.18%2.22%2.25%2.67%+43 bps
Growth
Asset Growth (YoY)7.53%5.48%3.13%0.89%-0.02%1.42%-0.19%1.91%+101 bps
Loan Growth (YoY)9.90%0.98%5.27%-0.94%1.09%3.01%-1.25%7.77%+871 bps
Deposit Growth (YoY)4.88%13.12%3.49%0.21%-2.77%-0.27%-1.80%2.75%+254 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.07%0.46%+46 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.01%-0.01%0.00%-0.01%0.00%-1 bps
Allowance / Loans1.13%1.14%1.07%1.14%1.12%1.11%1.08%1.07%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/a16.3x2.3xn/a
Capital
Tier 1 Leverage Ratio10.50%10.56%10.68%10.70%10.81%10.85%11.25%10.66%-5 bps
Total Risk-Based Capital10.50%10.56%10.68%10.70%10.81%10.85%11.25%10.66%-5 bps
Equity / Assets8.40%9.11%8.56%9.02%9.64%9.60%10.09%9.03%+1 bps
Liquidity & Funding
Loans / Deposits71.05%70.96%75.32%68.85%73.87%73.29%75.74%72.21%+337 bps
Liquid Assets / Assets0.91%0.97%0.25%0.25%0.72%0.28%0.22%0.30%+6 bps
CRE / Total Capitaln/an/an/an/an/a59.59%41.81%48.55%n/a