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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 $16.6MQ3 2024Q2 2026
Deposit mix
94%Interest-bearing $1.1B6%Noninterest $0.1BQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.10%, down 4 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.39% of loans (-24 bps YoY), with net charge-offs at 0.72%.
  • 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.

Return on Assets (quarter, annualized)

1.10%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.31%+39 bps YoY

Efficiency Ratio (quarter, annualized)

43.89%-886 bps YoY

Tier 1 Leverage Ratio

10.49%+39 bps YoY

NIM

5.24%Q2 ’245.49%Q2 ’255.68%Q2 ’26+24%+13%

Non-interest income vs. expense

1.66%Q2 ’241.73%Q2 ’251.61%Q2 ’26+9%-8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.87%1.03%1.14%1.28%1.20%1.42%1.10%-4 bps
Return on Equity7.44%9.31%10.93%11.76%12.90%11.82%13.62%10.61%-115 bps
Net Interest Margin2.43%2.57%2.86%2.92%3.05%2.96%3.19%3.31%+39 bps
Efficiency Ratio55.29%55.51%53.24%52.75%49.19%52.85%46.13%43.89%-886 bps
Non-Interest Burden1.19%1.30%1.37%1.37%1.31%1.41%1.23%1.26%-12 bps
Growth
Asset Growth (YoY)18.23%9.25%9.13%5.36%4.83%4.16%4.36%8.57%+321 bps
Loan Growth (YoY)14.56%13.62%10.26%6.38%4.00%3.84%6.11%9.08%+270 bps
Deposit Growth (YoY)8.11%7.47%8.48%6.03%8.68%4.60%1.08%1.97%-406 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.15%0.58%0.63%0.67%0.64%0.89%0.39%-24 bps
Net Charge-Offs / Loans0.33%0.05%0.21%0.03%0.02%0.32%0.00%0.72%+70 bps
Allowance / Loans1.22%1.26%1.26%1.29%1.32%1.29%1.35%1.37%+8 bps
Allowance Coverage of NPLs7.5x8.7x2.2x2.1x2.0x2.0x1.5x3.5x+1.5x
Capital
Tier 1 Leverage Ratio9.66%9.64%9.84%10.10%9.93%10.13%10.43%10.49%+39 bps
Total Risk-Based Capital13.03%13.19%13.52%13.82%13.89%13.83%14.16%14.15%+33 bps
Equity / Assets9.46%9.30%9.61%9.84%9.95%10.30%10.48%10.26%+43 bps
Liquidity & Funding
Loans / Deposits92.92%91.23%88.05%90.79%88.92%90.57%92.44%97.12%+633 bps
Liquid Assets / Assets0.63%0.41%0.93%0.46%1.77%0.50%0.73%0.98%+52 bps
CRE / Total Capitaln/an/an/an/a252%256%255%n/an/a