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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