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Letter portraitLegal landscapeQuarterYTD

Potter State Bank of Potter, The

Potter, NE · Cert 17205

FDIC · 2 branches

Q4 2025

$53.6MAssets
$21.4MLoans
$47.3MDeposits
$6.0MEquity
Loan mix
41%RE $4.5M52%C&I $5.8M7%Consumer $0.8MQ1 2024Q4 2025
Deposit mix
79%Interest-bearing $37.4M21%Noninterest $9.9MQ1 2024Q4 2025

Executive Summary

  • Earnings: ROA of 1.08%, down 1 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 3.85% of loans (+149 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 13.39%, down 399 bps from a year ago.
  • Funding: loans stand at 45.25% of deposits as of Q4 2025.

Return on Assets (YTD, annualized)

1.08%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-17 bps YoY

Efficiency Ratio (YTD, annualized)

63.62%-80 bps YoY

Tier 1 Leverage Ratio

13.39%-399 bps YoY

NIM

4.48%Q4 ’235.04%Q4 ’244.75%Q4 ’25+6%-5%

Non-interest income vs. expense

2.22%Q4 ’232.46%Q4 ’242.44%Q4 ’25+13%-10%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets1.08%1.07%1.15%1.09%1.50%1.35%1.28%1.08%-1 bps
Return on Equity8.57%8.50%8.79%8.21%10.75%9.41%8.73%7.76%-45 bps
Net Interest Margin3.44%3.43%3.45%3.51%3.40%3.42%3.51%3.34%-17 bps
Efficiency Ratio63.45%63.85%61.97%64.42%57.54%59.67%57.44%63.62%-80 bps
Non-Interest Burden2.07%2.08%2.02%2.15%1.68%1.85%1.75%1.94%-21 bps
Growth
Asset Growth (YoY)-3.84%0.15%-3.56%-6.84%5.14%-3.40%-0.47%13.35%+2,020 bps
Loan Growth (YoY)9.99%4.50%-7.31%-12.50%-5.37%-6.48%0.80%6.54%+1,905 bps
Deposit Growth (YoY)-4.83%1.89%2.54%-1.85%7.30%-3.21%0.89%19.98%+2,183 bps
Asset Quality
Nonperforming Loans / Loans2.17%2.43%2.01%2.37%1.57%2.29%1.65%3.85%+149 bps
Net Charge-Offs / Loans0.00%0.00%-0.82%-0.13%-0.04%-0.02%0.71%0.47%+60 bps
Allowance / Loans1.39%1.35%2.02%1.53%1.61%1.59%1.43%1.38%-15 bps
Allowance Coverage of NPLs0.6x0.6x1.0x0.6x1.0x0.7x0.9x0.4x-0.3x
Capital
Tier 1 Leverage Ratio16.60%16.63%16.87%17.39%16.65%16.89%17.51%13.39%-399 bps
Total Risk-Based Capital16.60%16.63%16.87%17.39%16.65%16.89%17.51%13.39%-399 bps
Equity / Assets12.92%12.75%14.51%14.01%13.87%15.05%15.87%11.22%-279 bps
Liquidity & Funding
Loans / Deposits50.24%49.74%51.11%50.96%44.30%48.06%51.06%45.25%-571 bps
Liquid Assets / Assets10.76%10.44%10.34%9.85%7.80%7.72%9.90%10.09%+23 bps
CRE / Total Capitaln/an/an/an/an/an/a24.94%36.29%n/a