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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 $5.4MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $470.0M8%Noninterest $40.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.35%1.50%1.60%1.67%1.64%1.58%1.58%-2 bps
Return on Equity14.17%13.57%15.33%16.40%17.31%16.80%15.27%15.42%-97 bps
Net Interest Margin3.06%2.70%3.61%3.61%3.50%3.38%3.75%3.73%+12 bps
Efficiency Ratio49.13%51.17%48.42%46.75%45.37%45.45%44.30%44.32%-243 bps
Non-Interest Burden1.39%1.28%1.62%1.58%1.47%1.43%1.53%1.54%-4 bps
Growth
Asset Growth (YoY)19.57%41.54%48.97%50.49%56.71%33.09%26.39%23.64%-2,684 bps
Loan Growth (YoY)13.46%37.88%45.59%57.47%66.56%35.40%27.59%25.29%-3,219 bps
Deposit Growth (YoY)29.20%51.74%71.51%61.17%49.53%25.12%14.36%18.06%-4,311 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.55%0.30%0.20%0.16%0.27%-28 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.13%0.09%0.00%0.00%0 bps
Allowance / Loans1.11%0.87%0.82%0.76%0.65%0.69%0.73%0.75%-2 bps
Allowance Coverage of NPLsn/an/a65.8x1.4x2.1x3.5x4.7x2.7x+1.3x
Capital
Tier 1 Leverage Ratio10.67%10.65%10.30%10.59%9.95%10.55%10.57%10.41%-18 bps
Total Risk-Based Capital10.67%10.65%10.30%10.59%9.95%10.55%10.57%10.41%-18 bps
Equity / Assets9.72%9.88%9.66%9.69%9.37%10.24%10.49%10.02%+33 bps
Liquidity & Funding
Loans / Deposits99.59%97.88%97.13%103.83%110.93%105.93%108.36%110.19%+636 bps
Liquid Assets / Assets0.00%0.00%0.00%0.01%0.00%1.39%0.00%0.00%-1 bps
CRE / Total Capitaln/an/an/an/a136.55%123.29%125.50%n/an/a