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Henderson State Bank

Henderson, NE · Cert 17229 · Henderson State Co.

State charter, non-member · FDIC · 12 branches

Q2 2026

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: 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 in NE (n=83). 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

20

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

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

Henderson State Bank

Henderson, NE · Cert 17229 · Henderson State Co.

State charter, non-member · FDIC · 12 branches

Q2 2026

$678.5MAssets
$562.8MLoans
$510.7MDeposits
$68.0MEquity
Loan mix
75%RE $203.4M23%C&I $61.7M2%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $470.0M8%Noninterest $40.8MQ2 2025Q2 2026

NIM

6.40%Q2 ’246.35%Q2 ’256.31%Q2 ’26+11%+3%

Non-interest income vs. expense

1.67%Q2 ’241.86%Q2 ’251.80%Q2 ’26+10%-2%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.0% share · #73 of 77 inst. · $0.0B of $42.7B

19.9% York
75.1% Hitchcock
27.4% Frontier
100.0% Logan

Executive Summary

  • Earnings: ROA of 1.58%, down 2 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.27% of loans (-28 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.41%, down 18 bps from a year ago.
  • Funding: loans stand at 110.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+12 bps YoY

Efficiency Ratio (YTD, annualized)

44.32%-243 bps YoY

Tier 1 Leverage Ratio

10.41%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.67%1.64%1.58%1.58%-2 bps
Return on Equity16.40%17.31%16.80%15.27%15.42%-97 bps
Net Interest Margin3.61%3.50%3.38%3.75%3.73%+12 bps
Efficiency Ratio46.75%45.37%45.45%44.30%44.32%-243 bps
Non-Interest Burden1.58%1.47%1.43%1.53%1.54%-4 bps
Growth
Asset Growth (YoY)50.49%56.71%33.09%26.39%23.64%-2,684 bps
Loan Growth (YoY)57.47%66.56%35.40%27.59%25.29%-3,219 bps
Deposit Growth (YoY)61.17%49.53%25.12%14.36%18.06%-4,311 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.30%0.20%0.16%0.27%-28 bps
Net Charge-Offs / Loans0.00%0.13%0.09%0.00%0.00%0 bps
Allowance / Loans0.76%0.65%0.69%0.73%0.75%-2 bps
Allowance Coverage of NPLs1.4x2.1x3.5x4.7x2.7x+1.3x
Capital
Tier 1 Leverage Ratio10.59%9.95%10.55%10.57%10.41%-18 bps
Total Risk-Based Capital10.59%9.95%10.55%10.57%10.41%-18 bps
Equity / Assets9.69%9.37%10.24%10.49%10.02%+33 bps
Liquidity & Funding
Loans / Deposits103.83%110.93%105.93%108.36%110.19%+636 bps
Liquid Assets / Assets0.01%0.00%1.39%0.00%0.00%-1 bps
CRE / Total Capitaln/a136.55%123.29%125.50%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

Henderson State Bank

Henderson, NE · Cert 17229 · Peer group: banks under $1B in assets in NE (n=83) · Henderson State Co.

State charter, non-member · FDIC · 12 branches

Q2 2026

$678.5MAssets
$562.8MLoans
$510.7MDeposits
$68.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks under $1B in assets in NE (rank 8 of 83).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in NE (rank 68 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.51%

Rank 21 of 83

Net Interest Margin

3.73%

Rank 33 of 83

Efficiency Ratio

45.17%

Rank 11 of 83

Equity / Assets

10.02%

Rank 62 of 83

Non-interest income vs. expense

$1.7M$11.9MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 88% of banks under $1B in assets in NE
Bank 45.17%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.51%0.93%1.20%1.51%Beats 75%21 / 83
Return on Equity15.10%8.04%10.34%13.11%Beats 90%8 / 83
Net Interest Margin3.73%3.25%3.62%4.02%Beats 60%33 / 83
Efficiency Ratio45.17%51.13%59.95%67.19%Beats 88%11 / 83
Asset Quality
Nonperforming Loans / Loans0.27%0.00%0.19%0.96%Beats 41%50 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 49%43 / 83
Capital
Tier 1 Capital Ratio10.41%10.94%13.24%16.62%Beats 18%68 / 83
Total Risk-Based Capital Ratio10.41%11.04%13.54%17.63%Beats 18%68 / 83
Equity / Assets10.02%9.90%11.31%13.84%Beats 25%62 / 83
Liquidity & Funding
Loans / Deposits110.19%71.97%83.15%92.22%93rd pctl6 / 83
Loans / Assets82.95%57.96%69.15%77.64%90th pctl8 / 83
Brokered Deposits / Depositsn/aNot reported for this institution