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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 $0.3MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $52.2M14%Noninterest $8.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.96%, up 25 bps year over year; NIM at 3.77%.
  • 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 (quarter, annualized)

0.96%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+32 bps YoY

Efficiency Ratio (quarter, annualized)

78.61%+79 bps YoY

Tier 1 Leverage Ratio

14.45%+361 bps YoY

NIM

5.34%Q2 ’245.39%Q2 ’255.82%Q2 ’26+5%+9%

Non-interest income vs. expense

3.22%Q2 ’243.14%Q2 ’253.83%Q2 ’26+16%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.69%0.35%0.70%0.84%0.50%1.11%0.96%+25 bps
Return on Equity6.56%5.68%3.23%6.65%5.19%2.64%6.82%6.67%+1 bps
Net Interest Margin3.40%3.57%3.54%3.45%3.90%3.92%3.62%3.77%+32 bps
Efficiency Ratio76.69%77.22%88.00%77.83%77.39%84.23%69.19%78.61%+79 bps
Non-Interest Burden2.43%2.59%3.04%2.55%2.86%3.13%2.24%2.73%+17 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%0.00%0.00%0.00%0.00%0.00%0 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