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Battle Creek State Bank

Battle Creek, NE · Cert 16330 · Logan Valley Investments LLC

State charter, Fed member · FED · 2 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

72

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

13

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

Battle Creek State Bank

Battle Creek, NE · Cert 16330 · Logan Valley Investments LLC

State charter, Fed member · FED · 2 branches

Q2 2026

$71.0MAssets
$55.8MLoans
$61.0MDeposits
$9.8MEquity
Loan mix
9%RE $3.5M91%C&I $36.9M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $52.2M14%Noninterest $8.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.03%, up 48 bps year over year; NIM at 3.50%.
  • 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 14.45%, up 361 bps from a year ago.
  • Funding: loans stand at 91.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.03%+48 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+14 bps YoY

Efficiency Ratio (YTD, annualized)

74.37%-845 bps YoY

Tier 1 Leverage Ratio

14.45%+361 bps YoY

NIM

5.15%Q2 ’245.21%Q2 ’255.40%Q2 ’26+5%+4%

Non-interest income vs. expense

2.97%Q2 ’243.27%Q2 ’253.29%Q2 ’26+18%-12%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.73%0.35%0.55%0.64%0.60%1.11%1.03%+48 bps
Return on Equity6.24%6.13%3.23%4.95%4.72%4.10%6.82%6.74%+179 bps
Net Interest Margin3.24%3.46%3.54%3.36%3.50%3.35%3.62%3.50%+14 bps
Efficiency Ratio76.54%76.71%88.00%82.81%80.80%81.85%69.19%74.37%-845 bps
Non-Interest Burden2.31%2.48%3.04%2.68%2.71%2.61%2.24%2.37%-31 bps
Growth
Asset Growth (YoY)12.43%1.81%20.97%-1.68%16.41%43.39%33.05%70.87%+7,255 bps
Loan Growth (YoY)4.69%2.05%2.12%-0.01%18.38%38.89%67.32%104.10%+10,411 bps
Deposit Growth (YoY)18.24%4.29%27.32%0.78%5.90%35.84%25.27%66.40%+6,562 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 / Loans0.00%0.00%-0.07%-0.04%-0.02%-0.01%0.00%0.00%+4 bps
Allowance / Loans1.36%1.38%1.41%1.43%1.17%1.00%0.84%0.70%-73 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.67%12.04%11.57%10.84%21.30%19.22%15.91%14.45%+361 bps
Total Risk-Based Capital17.00%16.94%16.01%17.05%27.24%23.49%20.06%17.17%+12 bps
Equity / Assets12.03%12.42%9.81%11.48%20.12%17.74%15.05%13.78%+230 bps
Liquidity & Funding
Loans / Deposits79.50%86.45%64.31%74.53%88.87%88.40%85.90%91.41%+1,689 bps
Liquid Assets / Assets0.31%0.28%0.36%0.37%2.47%0.16%0.73%0.11%-26 bps
CRE / Total Capitaln/an/an/an/a6.94%6.82%6.64%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

Battle Creek State Bank

Battle Creek, NE · Cert 16330 · Peer group: banks under $1B in assets in NE (n=83) · Logan Valley Investments LLC

State charter, Fed member · FED · 2 branches

Q2 2026

$71.0MAssets
$55.8MLoans
$61.0MDeposits
$9.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: efficiency ratio trails 87% of banks under $1B in assets in NE (rank 73 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.92%

Rank 64 of 83

Net Interest Margin

3.50%

Rank 48 of 83

Efficiency Ratio

74.37%

Rank 73 of 83

Equity / Assets

13.78%

Rank 23 of 83

Non-interest income vs. expense

$0.6M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 13% of banks under $1B in assets in NE
Bank 74.37%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.92%0.93%1.20%1.51%Beats 23%64 / 83
Return on Equity6.67%8.04%10.34%13.11%Beats 13%72 / 83
Net Interest Margin3.50%3.25%3.62%4.02%Beats 42%48 / 83
Efficiency Ratio74.37%51.13%59.95%67.19%Beats 13%73 / 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 Ratio16.51%10.94%13.24%16.62%Beats 72%23 / 83
Total Risk-Based Capital Ratio17.17%11.04%13.54%17.63%Beats 73%22 / 83
Equity / Assets13.78%9.90%11.31%13.84%Beats 72%23 / 83
Liquidity & Funding
Loans / Deposits91.41%71.97%83.15%92.22%72nd pctl23 / 83
Loans / Assets78.57%57.96%69.15%77.64%80th pctl17 / 83
Brokered Deposits / Depositsn/aNot reported for this institution