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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