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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