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Bank of Orchard

Orchard, NE · Cert 16905

FDIC · 1 branch

Q3 2024

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: Q3 2024, the quarter ended September 30, 2024, 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=89). 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

59

Q2 2024Q3 2024peer median (50)

Asset Quality

100

Q2 2024Q3 2024peer median (50)

Profitability

62

Q2 2024Q3 2024peer median (50)

Liquidity

0

Q2 2024Q3 2024peer median

Efficiency

73

Q2 2024Q3 2024peer 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

Bank of Orchard

Orchard, NE · Cert 16905

FDIC · 1 branch

Q3 2024

$32.8MAssets
$10.2MLoans
$28.2MDeposits
$4.4MEquity
Loan mix
17%RE $0.7M40%C&I $1.8M43%Consumer $1.9MQ4 2022Q3 2024
Deposit mix
78%Interest-bearing $22.1M22%Noninterest $6.1MQ4 2022Q3 2024

Executive Summary

  • Earnings: ROA of 1.31%, up 6 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.19%, up 61 bps from a year ago.
  • Funding: loans stand at 36.11% of deposits as of Q3 2024.

Return on Assets (YTD, annualized)

1.31%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+44 bps YoY

Efficiency Ratio (YTD, annualized)

57.43%-66 bps YoY

Tier 1 Leverage Ratio

13.19%+61 bps YoY

NIM

2.96%Q3 ’223.56%Q3 ’234.38%Q3 ’240%+17%

Non-interest income vs. expense

1.87%Q3 ’221.73%Q3 ’231.96%Q3 ’24-9%+17%

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.02%1.17%1.20%1.24%1.06%1.40%1.27%1.31%+6 bps
Return on Equity8.22%9.12%9.41%9.80%8.32%10.95%10.10%10.18%+38 bps
Net Interest Margin2.65%2.58%2.57%2.62%2.67%2.88%2.91%3.06%+44 bps
Efficiency Ratio67.50%60.85%59.80%58.09%64.52%56.55%56.97%57.43%-66 bps
Non-Interest Burden1.66%1.44%1.40%1.37%1.60%1.48%1.52%1.61%+24 bps
Growth
Asset Growth (YoY)-0.84%-0.36%1.09%3.58%5.67%5.35%4.27%-2.67%-625 bps
Loan Growth (YoY)-12.18%-4.40%-5.49%30.37%23.58%44.57%40.69%13.74%-1,663 bps
Deposit Growth (YoY)-5.49%-1.12%0.32%3.27%9.90%5.26%4.40%-3.70%-697 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.00%0.01%0.00%0.00%0.00%0.47%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%-0.01%0.00%0.00%0.00%0 bps
Allowance / Loans2.85%3.01%2.98%2.29%2.31%2.09%2.13%2.02%-27 bps
Allowance Coverage of NPLs17.1xn/a205.0xn/an/an/a4.6xn/an/a
Capital
Tier 1 Leverage Ratio12.21%12.73%12.44%12.58%12.39%12.93%12.08%13.19%+61 bps
Total Risk-Based Capital12.21%12.73%12.44%12.58%12.39%12.93%12.08%13.19%+61 bps
Equity / Assets13.06%12.66%12.43%12.59%12.96%12.66%12.26%13.45%+86 bps
Liquidity & Funding
Loans / Deposits28.30%24.26%23.41%30.57%31.83%33.32%31.55%36.11%+554 bps
Liquid Assets / Assets75.16%74.98%75.74%69.78%68.06%67.54%69.51%66.24%-355 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Bank of Orchard

Orchard, NE · Cert 16905 · Peer group: banks under $1B in assets in NE (n=89)

FDIC · 1 branch

Q3 2024

$32.8MAssets
$10.2MLoans
$28.2MDeposits
$4.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 32 of 89).
  • Widest gap: net interest margin trails 58% of banks under $1B in assets in NE (rank 52 of 89).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.33%

Rank 19 of 89

Net Interest Margin

3.06%

Rank 52 of 89

Efficiency Ratio

57.43%

Rank 25 of 89

Equity / Assets

13.45%

Rank 23 of 89

Non-interest income vs. expense

$117K$655KINCOMEEXPENSE
Unfavorable gap of $537K · efficiency ratio beats 73% of banks under $1B in assets in NE
Bank 57.43%Peer median 66.7%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.33%0.58%0.93%1.24%Beats 79%19 / 89
Return on Equity9.92%5.73%8.15%10.70%Beats 65%31 / 89
Net Interest Margin3.06%2.80%3.21%3.69%Beats 42%52 / 89
Efficiency Ratio57.43%55.80%66.67%75.88%Beats 73%25 / 89
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.08%0.48%Beats 100%32 / 89
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 89
Capital
Tier 1 Capital Ratio13.19%10.60%12.86%16.19%Beats 55%40 / 89
Total Risk-Based Capital Ratio13.19%10.67%13.19%16.94%Beats 49%45 / 89
Equity / Assets13.45%9.17%11.05%13.45%Beats 74%23 / 89
Liquidity & Funding
Loans / Deposits36.11%69.37%81.96%92.14%0th pctl89 / 89
Loans / Assets31.12%54.69%65.72%75.13%2nd pctl87 / 89
Brokered Deposits / Depositsn/aNot reported for this institution