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South Central State Bank

Campbell, NE · Cert 16707 · Campbell State Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

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 under $1B in assets in NE (n=83). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

90

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 2026-10-11

South Central State Bank

Campbell, NE · Cert 16707 · Campbell State Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$192.1MAssets
$131.5MLoans
$153.6MDeposits
$29.2MEquity
Loan mix
97%RE $94.3M1%C&I $1.2M1%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $121.4M21%Noninterest $32.2MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.90%Q2 ’255.97%Q2 ’26+10%+8%

Non-interest income vs. expense

1.70%Q2 ’241.80%Q2 ’252.05%Q2 ’26+6%+16%

Executive Summary

  • Earnings: ROA of 2.40%, up 21 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.00% of loans (-228 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 15.15%, up 105 bps from a year ago.
  • Funding: loans stand at 85.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.40%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.51%+32 bps YoY

Efficiency Ratio (YTD, annualized)

43.62%+253 bps YoY

Tier 1 Leverage Ratio

15.15%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.19%2.19%2.10%2.38%2.40%+21 bps
Return on Equity16.36%15.90%15.41%16.84%16.61%+25 bps
Net Interest Margin4.19%4.32%4.33%4.42%4.51%+32 bps
Efficiency Ratio41.09%42.83%43.97%39.58%43.62%+253 bps
Non-Interest Burden1.60%1.73%1.79%1.63%1.86%+26 bps
Growth
Asset Growth (YoY)-5.22%-8.25%-0.81%-1.28%0.75%+598 bps
Loan Growth (YoY)-6.61%-8.75%3.81%0.81%4.81%+1,142 bps
Deposit Growth (YoY)2.09%3.15%4.02%0.85%0.30%-179 bps
Asset Quality
Nonperforming Loans / Loans2.28%0.70%0.60%0.00%0.00%-228 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.34%0.16%+16 bps
Allowance / Loans1.03%1.00%0.87%0.95%0.91%-13 bps
Allowance Coverage of NPLs0.5x1.4x1.5xn/an/an/a
Capital
Tier 1 Leverage Ratio14.11%14.85%14.43%14.70%15.15%+105 bps
Total Risk-Based Capital15.28%16.27%14.49%16.45%15.78%+50 bps
Equity / Assets14.22%14.97%13.17%15.14%15.18%+96 bps
Liquidity & Funding
Loans / Deposits81.91%82.61%94.15%78.60%85.60%+369 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a197.53%250%214%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 2026-10-11

South Central State Bank

Campbell, NE · Cert 16707 · Peer group: banks under $1B in assets in NE (n=83) · Campbell State Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$192.1MAssets
$131.5MLoans
$153.6MDeposits
$29.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in NE (rank 74 of 83).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.44%

Rank 6 of 83

Net Interest Margin

4.51%

Rank 6 of 83

Efficiency Ratio

43.62%

Rank 9 of 83

Equity / Assets

15.18%

Rank 15 of 83

Non-interest income vs. expense

$0.4M$3.9MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 90% of banks under $1B in assets in NE
Bank 43.62%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.44%0.93%1.20%1.51%Beats 93%6 / 83
Return on Equity16.07%8.04%10.34%13.11%Beats 93%6 / 83
Net Interest Margin4.51%3.25%3.62%4.02%Beats 93%6 / 83
Efficiency Ratio43.62%51.13%59.95%67.19%Beats 90%9 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.08%n/a0.00%0.02%Beats 12%74 / 83
Capital
Tier 1 Capital Ratio15.11%10.94%13.24%16.62%Beats 64%30 / 83
Total Risk-Based Capital Ratio15.78%11.04%13.54%17.63%Beats 65%29 / 83
Equity / Assets15.18%9.90%11.31%13.84%Beats 82%15 / 83
Liquidity & Funding
Loans / Deposits85.60%71.97%83.15%92.22%53rd pctl39 / 83
Loans / Assets68.43%57.96%69.15%77.64%47th pctl44 / 83
Brokered Deposits / Depositsn/aNot reported for this institution