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Nebraska Bank

Dodge, NE · Cert 16116 · Farmers State Bancshares Inc.

State charter, non-member · FDIC · 10 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

33

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

Nebraska Bank

Dodge, NE · Cert 16116 · Farmers State Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$551.6MAssets
$390.5MLoans
$466.9MDeposits
$60.8MEquity
Loan mix
85%RE $224.8M12%C&I $33.0M3%Consumer $8.1MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $390.2M16%Noninterest $76.7MQ2 2025Q2 2026

NIM

5.92%Q2 ’245.85%Q2 ’255.55%Q2 ’26+7%-1%

Non-interest income vs. expense

2.47%Q2 ’242.50%Q2 ’252.57%Q2 ’26+4%-1%

Market Position · Lincoln, NE · 2026 SOD (annual) · 0.1% share · #27 of 33 inst. · $0.0B of $16.1B

5.9% Dodge
29.8% Box Butte
31.7% Morrill
15.7% Dawes

Executive Summary

  • Earnings: ROA of 0.94%, up 4 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.43% of loans (-50 bps YoY), with net charge-offs at 0.44%.
  • Capital: tier 1 leverage ratio of 11.39%, up 217 bps from a year ago.
  • Funding: loans stand at 83.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-3 bps YoY

Efficiency Ratio (YTD, annualized)

65.79%+60 bps YoY

Tier 1 Leverage Ratio

11.39%+217 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.90%0.95%1.01%0.92%0.94%+4 bps
Return on Equity9.79%10.35%10.94%9.57%9.27%-52 bps
Net Interest Margin3.67%3.65%3.70%3.80%3.64%-3 bps
Efficiency Ratio65.20%64.16%63.17%68.64%65.79%+60 bps
Non-Interest Burden2.32%2.26%2.24%2.51%2.29%-2 bps
Growth
Asset Growth (YoY)4.57%6.28%7.93%13.25%17.77%+1,320 bps
Loan Growth (YoY)-1.73%1.19%2.82%12.34%16.96%+1,870 bps
Deposit Growth (YoY)3.36%5.94%5.86%10.35%17.81%+1,444 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.83%0.64%0.86%0.43%-50 bps
Net Charge-Offs / Loans0.04%0.03%0.17%0.33%0.44%+40 bps
Allowance / Loans1.29%1.30%1.16%1.01%0.96%-33 bps
Allowance Coverage of NPLs1.4x1.6x1.8x1.2x2.3x+0.9x
Capital
Tier 1 Leverage Ratio9.22%9.14%9.39%10.02%11.39%+217 bps
Total Risk-Based Capital9.22%9.14%9.39%10.02%11.39%+217 bps
Equity / Assets9.04%9.39%9.51%9.80%11.02%+198 bps
Liquidity & Funding
Loans / Deposits84.25%87.13%88.01%90.43%83.65%-60 bps
Liquid Assets / Assets9.97%5.15%3.90%3.61%3.78%-619 bps
CRE / Total Capitaln/a273%278%257%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

Nebraska Bank

Dodge, NE · Cert 16116 · Peer group: banks under $1B in assets in NE (n=83) · Farmers State Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$551.6MAssets
$390.5MLoans
$466.9MDeposits
$60.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 51% of banks under $1B in assets in NE (rank 41 of 83).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in NE (rank 81 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.88%

Rank 66 of 83

Net Interest Margin

3.64%

Rank 41 of 83

Efficiency Ratio

65.79%

Rank 57 of 83

Equity / Assets

11.02%

Rank 47 of 83

Non-interest income vs. expense

$1.5M$13.6MINCOMEEXPENSE
Unfavorable gap of $12.2M · efficiency ratio beats 33% of banks under $1B in assets in NE
Bank 65.79%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.93%1.20%1.51%Beats 20%66 / 83
Return on Equity7.94%8.04%10.34%13.11%Beats 20%66 / 83
Net Interest Margin3.64%3.25%3.62%4.02%Beats 51%41 / 83
Efficiency Ratio65.79%51.13%59.95%67.19%Beats 33%57 / 83
Asset Quality
Nonperforming Loans / Loans0.43%0.00%0.19%0.96%Beats 31%58 / 83
Net Charge-Offs / Loans0.26%n/a0.00%0.02%Beats 4%81 / 83
Capital
Tier 1 Capital Ratio11.39%10.94%13.24%16.62%Beats 33%56 / 83
Total Risk-Based Capital Ratio11.39%11.04%13.54%17.63%Beats 28%60 / 83
Equity / Assets11.02%9.90%11.31%13.84%Beats 43%47 / 83
Liquidity & Funding
Loans / Deposits83.65%71.97%83.15%92.22%51st pctl41 / 83
Loans / Assets70.79%57.96%69.15%77.64%54th pctl38 / 83
Brokered Deposits / Depositsn/aNot reported for this institution