PackageTrendsPeer
Letter portraitLegal landscape

Corn Growers State Bank

Murdock, NE · Cert 16868 · McHugh Investment Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

8

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

Corn Growers State Bank

Murdock, NE · Cert 16868 · McHugh Investment Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$40.3MAssets
$27.7MLoans
$35.3MDeposits
$3.0MEquity
Loan mix
54%RE $10.9M24%C&I $4.8M22%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $23.2M34%Noninterest $12.1MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.46%Q2 ’254.67%Q2 ’26+22%+5%

Non-interest income vs. expense

2.87%Q2 ’243.24%Q2 ’253.59%Q2 ’26+14%+12%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #64 of 77 inst. · $0.0B of $42.7B

Executive Summary

  • Earnings: ROA of 0.35%, down 11 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.87% of loans (+30 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.00%, down 5 bps from a year ago.
  • Funding: loans stand at 78.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+18 bps YoY

Efficiency Ratio (YTD, annualized)

87.83%+475 bps YoY

Tier 1 Leverage Ratio

8.00%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.68%0.53%0.09%0.35%-11 bps
Return on Equity6.36%9.31%7.14%1.09%4.47%-190 bps
Net Interest Margin3.58%3.65%3.69%3.74%3.76%+18 bps
Efficiency Ratio83.08%78.69%79.93%97.14%87.83%+475 bps
Non-Interest Burden2.92%2.81%2.88%3.63%3.26%+34 bps
Growth
Asset Growth (YoY)-4.79%-1.87%5.54%0.98%10.29%+1,508 bps
Loan Growth (YoY)1.21%-0.24%12.64%18.46%25.51%+2,430 bps
Deposit Growth (YoY)6.46%2.20%0.58%-0.17%7.40%+94 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.19%0.09%0.11%0.87%+30 bps
Net Charge-Offs / Loans0.12%0.08%0.17%0.00%0.00%-12 bps
Allowance / Loans0.97%0.93%0.85%0.86%0.77%-20 bps
Allowance Coverage of NPLs1.7x4.9x8.9x7.6x0.9x-0.8x
Capital
Tier 1 Leverage Ratio8.05%8.25%8.28%8.13%8.00%-5 bps
Total Risk-Based Capital17.10%16.83%16.10%16.35%14.57%-253 bps
Equity / Assets7.39%7.65%7.82%8.10%7.49%+9 bps
Liquidity & Funding
Loans / Deposits67.18%70.55%81.09%75.20%78.51%+1,133 bps
Liquid Assets / Assets10.25%9.99%8.03%6.89%3.71%-654 bps
CRE / Total Capitaln/a0.00%2.02%1.37%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

Corn Growers State Bank

Murdock, NE · Cert 16868 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · McHugh Investment Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$40.3MAssets
$27.7MLoans
$35.3MDeposits
$3.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 12 of 24).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets in the Omaha, NE-IA area (rank 23 of 24).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.33%

Rank 23 of 24

Net Interest Margin

3.76%

Rank 12 of 24

Efficiency Ratio

87.83%

Rank 23 of 24

Equity / Assets

7.49%

Rank 23 of 24

Non-interest income vs. expense

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 8% of banks under $1B in assets in the Omaha, NE-IA area
Bank 87.83%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.92%1.29%1.77%Beats 4%23 / 24
Return on Equity4.38%9.64%12.01%15.30%Beats 4%23 / 24
Net Interest Margin3.76%3.02%3.76%3.98%Beats 50%12 / 24
Efficiency Ratio87.83%49.60%59.31%66.55%Beats 8%23 / 24
Asset Quality
Nonperforming Loans / Loans0.87%0.10%0.37%1.03%Beats 37%16 / 24
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%12 / 24
Capital
Tier 1 Capital Ratio13.63%10.53%11.57%13.63%Beats 75%6 / 24
Total Risk-Based Capital Ratio14.57%11.15%12.06%13.90%Beats 79%5 / 24
Equity / Assets7.49%8.87%10.14%12.27%Beats 4%23 / 24
Liquidity & Funding
Loans / Deposits78.51%75.32%83.30%93.06%38th pctl15 / 24
Loans / Assets68.77%65.68%71.67%75.94%29th pctl17 / 24
Brokered Deposits / Depositsn/aNot reported for this institution