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Bank of Clarks

Clarks, NE · Cert 16953 · Clark Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

7

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

Bank of Clarks

Clarks, NE · Cert 16953 · Clark Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$58.5MAssets
$44.3MLoans
$49.2MDeposits
$5.8MEquity
Loan mix
83%RE $30.2M11%C&I $4.1M6%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $39.4M20%Noninterest $9.8MQ2 2025Q2 2026

NIM

5.53%Q2 ’246.21%Q2 ’255.87%Q2 ’26+12%-8%

Non-interest income vs. expense

3.82%Q2 ’243.50%Q2 ’253.74%Q2 ’26-8%+6%

Market Position · Grand Island, NE · 2026 SOD (annual) · 1.3% share · #16 of 22 inst. · $0.0B of $3.6B

16.3% Merrick
0.1% Platte

Executive Summary

  • Earnings: ROA of 0.29%, down 40 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 3.20% of loans (+170 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.79%, up 131 bps from a year ago.
  • Funding: loans stand at 90.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-34 bps YoY

Efficiency Ratio (YTD, annualized)

90.86%+1,164 bps YoY

Tier 1 Leverage Ratio

9.79%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.45%0.35%0.25%0.29%-40 bps
Return on Equity8.19%5.22%3.98%2.71%3.02%-517 bps
Net Interest Margin4.24%3.98%3.87%3.90%3.90%-34 bps
Efficiency Ratio79.22%82.23%84.36%87.75%90.86%+1,164 bps
Non-Interest Burden3.32%3.24%3.24%3.39%3.52%+20 bps
Growth
Asset Growth (YoY)22.17%6.42%8.73%8.65%0.61%-2,156 bps
Loan Growth (YoY)31.97%11.18%8.57%3.62%-5.53%-3,750 bps
Deposit Growth (YoY)20.23%-6.60%-6.48%7.53%-1.21%-2,144 bps
Asset Quality
Nonperforming Loans / Loans1.51%1.48%1.27%1.35%3.20%+170 bps
Net Charge-Offs / Loans-0.02%0.02%0.10%0.02%0.03%+5 bps
Allowance / Loans1.35%1.39%1.46%1.55%1.61%+26 bps
Allowance Coverage of NPLs0.9x0.9x1.2x1.1x0.5x-0.4x
Capital
Tier 1 Leverage Ratio8.48%9.47%9.24%9.29%9.79%+131 bps
Total Risk-Based Capital11.15%12.05%12.07%12.56%9.79%-136 bps
Equity / Assets8.46%9.33%9.20%9.40%9.94%+148 bps
Liquidity & Funding
Loans / Deposits94.34%103.86%100.03%94.60%90.22%-412 bps
Liquid Assets / Assets9.18%8.12%10.09%12.91%12.63%+345 bps
CRE / Total Capitaln/a108.62%108.31%118.51%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

Bank of Clarks

Clarks, NE · Cert 16953 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Clark Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$58.5MAssets
$44.3MLoans
$49.2MDeposits
$5.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 61% of banks under $1B in assets operating in a single state (rank 291 of 746).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets operating in a single state (rank 710 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.30%

Rank 673 of 746

Net Interest Margin

3.90%

Rank 291 of 746

Efficiency Ratio

90.86%

Rank 692 of 746

Equity / Assets

9.94%

Rank 434 of 746

Non-interest income vs. expense

$0.1M$2.2MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state
Bank 90.86%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.30%0.72%1.06%1.45%Beats 10%673 / 746
Return on Equity2.99%6.74%10.51%13.63%Beats 11%662 / 746
Net Interest Margin3.90%3.17%3.68%4.16%Beats 61%291 / 746
Efficiency Ratio90.86%55.74%64.58%75.47%Beats 7%692 / 746
Asset Quality
Nonperforming Loans / Loans3.20%0.09%0.42%1.07%Beats 5%708 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 25%562 / 743
Capital
Tier 1 Capital Ratio9.79%11.55%13.75%17.60%Beats 5%708 / 746
Total Risk-Based Capital Ratio9.79%11.71%14.33%18.43%Beats 5%710 / 746
Equity / Assets9.94%8.90%10.51%13.06%Beats 42%434 / 746
Liquidity & Funding
Loans / Deposits90.22%61.31%78.27%90.78%74th pctl196 / 746
Loans / Assets75.88%53.60%66.97%76.08%74th pctl196 / 746
Brokered Deposits / Depositsn/aNot reported for this institution