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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

$71.0MAssets
$55.8MLoans
$61.0MDeposits
$9.8MEquity
Loan mix
9%RE $3.5M91%C&I $36.9M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $52.2M14%Noninterest $8.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.64%0.60%1.11%1.03%+48 bps
Return on Equity4.95%4.72%4.10%6.82%6.74%+179 bps
Net Interest Margin3.36%3.50%3.35%3.62%3.50%+14 bps
Efficiency Ratio82.81%80.80%81.85%69.19%74.37%-845 bps
Non-Interest Burden2.68%2.71%2.61%2.24%2.37%-31 bps
Growth
Asset Growth (YoY)-1.68%16.41%43.39%33.05%70.87%+7,255 bps
Loan Growth (YoY)-0.01%18.38%38.89%67.32%104.10%+10,411 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans-0.04%-0.02%-0.01%0.00%0.00%+4 bps
Allowance / Loans1.43%1.17%1.00%0.84%0.70%-73 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.84%21.30%19.22%15.91%14.45%+361 bps
Total Risk-Based Capital17.05%27.24%23.49%20.06%17.17%+12 bps
Equity / Assets11.48%20.12%17.74%15.05%13.78%+230 bps
Liquidity & Funding
Loans / Deposits74.53%88.87%88.40%85.90%91.41%+1,689 bps
Liquid Assets / Assets0.37%2.47%0.16%0.73%0.11%-26 bps
CRE / Total Capitaln/a6.94%6.82%6.64%n/an/a