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Elkhorn Valley Bank & Trust

Norfolk, NE · Cert 16553 · Feo Investments Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=178). 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

92

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 2026-10-10

Elkhorn Valley Bank & Trust

Norfolk, NE · Cert 16553 · Feo Investments Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.1BDeposits
$153.0MEquity
Loan mix
80%RE $690.1M18%C&I $159.4M2%Consumer $16.6MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $1.1B6%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.09%Q2 ’245.48%Q2 ’255.56%Q2 ’26+25%+11%

Non-interest income vs. expense

1.65%Q2 ’241.71%Q2 ’251.63%Q2 ’26+9%-10%

Executive Summary

  • Earnings: ROA of 1.25%, up 16 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.39% of loans (-24 bps YoY), with net charge-offs at 0.36%.
  • Capital: tier 1 leverage ratio of 10.49%, up 39 bps from a year ago.
  • Funding: loans stand at 97.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.25%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+33 bps YoY

Efficiency Ratio (YTD, annualized)

45.00%-800 bps YoY

Tier 1 Leverage Ratio

10.49%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.15%1.16%1.42%1.25%+16 bps
Return on Equity11.37%11.88%11.87%13.62%12.11%+74 bps
Net Interest Margin2.89%2.89%2.89%3.19%3.22%+33 bps
Efficiency Ratio53.00%51.65%51.96%46.13%45.00%-800 bps
Non-Interest Burden1.37%1.33%1.34%1.23%1.23%-14 bps
Growth
Asset Growth (YoY)5.36%4.83%4.16%4.36%8.57%+321 bps
Loan Growth (YoY)6.38%4.00%3.84%6.11%9.08%+270 bps
Deposit Growth (YoY)6.03%8.68%4.60%1.08%1.97%-406 bps
Asset Quality
Nonperforming Loans / Loans0.63%0.67%0.64%0.89%0.39%-24 bps
Net Charge-Offs / Loans0.12%0.08%0.14%0.00%0.36%+25 bps
Allowance / Loans1.29%1.32%1.29%1.35%1.37%+8 bps
Allowance Coverage of NPLs2.1x2.0x2.0x1.5x3.5x+1.5x
Capital
Tier 1 Leverage Ratio10.10%9.93%10.13%10.43%10.49%+39 bps
Total Risk-Based Capital13.82%13.89%13.83%14.16%14.15%+33 bps
Equity / Assets9.84%9.95%10.30%10.48%10.26%+43 bps
Liquidity & Funding
Loans / Deposits90.79%88.92%90.57%92.44%97.12%+633 bps
Liquid Assets / Assets0.46%1.77%0.50%0.73%0.98%+52 bps
CRE / Total Capitaln/a252%256%255%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 2026-10-10

Elkhorn Valley Bank & Trust

Norfolk, NE · Cert 16553 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Feo Investments Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.1BDeposits
$153.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets operating regionally (rank 16 of 178).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating regionally (rank 161 of 178).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.22%

Rank 92 of 178

Net Interest Margin

3.22%

Rank 134 of 178

Efficiency Ratio

45.06%

Rank 16 of 178

Equity / Assets

10.26%

Rank 92 of 178

Non-interest income vs. expense

$5.8M$23.6MINCOMEEXPENSE
Unfavorable gap of $17.8M · efficiency ratio beats 92% of banks $1B-$10B in assets operating regionally
Bank 45.06%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.91%1.25%1.53%Beats 48%92 / 178
Return on Equity11.86%9.18%11.89%14.44%Beats 49%91 / 178
Net Interest Margin3.22%3.22%3.56%3.91%Beats 25%134 / 178
Efficiency Ratio45.06%52.04%58.90%67.10%Beats 92%16 / 178
Asset Quality
Nonperforming Loans / Loans0.39%0.29%0.60%1.26%Beats 66%62 / 178
Net Charge-Offs / Loans0.19%0.01%0.03%0.10%Beats 10%161 / 178
Capital
Tier 1 Capital Ratio12.90%11.19%12.72%14.14%Beats 53%83 / 178
Total Risk-Based Capital Ratio14.15%11.91%13.63%15.33%Beats 60%71 / 178
Equity / Assets10.26%9.12%10.35%11.80%Beats 48%92 / 178
Liquidity & Funding
Loans / Deposits97.12%80.94%89.92%97.12%75th pctl45 / 178
Loans / Assets72.88%69.25%75.52%80.96%38th pctl110 / 178
Brokered Deposits / Depositsn/aNot reported for this institution