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Boelus State Bank

Boelus, NE · Cert 17825

State charter, non-member · FDIC · 1 branch

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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

Boelus State Bank

Boelus, NE · Cert 17825

State charter, non-member · FDIC · 1 branch

Q2 2026

$24.4MAssets
$6.4MLoans
$20.6MDeposits
$3.7MEquity
Loan mix
71%RE $1.7M4%C&I $0.1M26%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $16.6M19%Noninterest $4.0MQ2 2025Q2 2026

NIM

5.80%Q2 ’245.04%Q2 ’254.53%Q2 ’26-18%-9%

Non-interest income vs. expense

1.43%Q2 ’241.15%Q2 ’251.14%Q2 ’26-15%+1%

Market Position · Grand Island, NE · 2026 SOD (annual) · 0.6% share · #20 of 22 inst. · $0.0B of $3.6B

Executive Summary

  • Earnings: ROA of 1.34%, down 19 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.99%, down 8 bps from a year ago.
  • Funding: loans stand at 30.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-28 bps YoY

Efficiency Ratio (YTD, annualized)

41.30%+369 bps YoY

Tier 1 Leverage Ratio

14.99%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.41%1.19%1.28%1.34%-19 bps
Return on Equity10.29%9.49%7.99%8.73%9.03%-127 bps
Net Interest Margin3.01%3.01%2.92%2.75%2.72%-28 bps
Efficiency Ratio37.61%43.58%51.47%40.83%41.30%+369 bps
Non-Interest Burden1.09%1.28%1.45%1.08%1.11%+1 bps
Growth
Asset Growth (YoY)-0.51%8.84%5.98%11.55%4.28%+479 bps
Loan Growth (YoY)7.03%9.56%-2.67%1.34%5.56%-147 bps
Deposit Growth (YoY)-1.92%9.21%5.78%12.41%3.88%+580 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.45%3.94%3.96%3.22%3.27%-18 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.07%15.12%15.13%14.99%14.99%-8 bps
Total Risk-Based Capital36.92%15.12%41.91%14.99%14.99%-2,193 bps
Equity / Assets14.76%14.93%15.11%14.32%15.13%+37 bps
Liquidity & Funding
Loans / Deposits30.37%26.42%26.42%29.94%30.86%+49 bps
Liquid Assets / Assets70.91%75.86%74.54%71.73%71.08%+17 bps
CRE / Total Capitaln/a1.31%1.16%0.97%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

Boelus State Bank

Boelus, NE · Cert 17825 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$24.4MAssets
$6.4MLoans
$20.6MDeposits
$3.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets operating in a single state (rank 676 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.34%

Rank 237 of 746

Net Interest Margin

2.72%

Rank 676 of 746

Efficiency Ratio

41.30%

Rank 31 of 746

Equity / Assets

15.13%

Rank 94 of 746

Non-interest income vs. expense

$8K$280KINCOMEEXPENSE
Unfavorable gap of $272K · efficiency ratio beats 96% of banks under $1B in assets operating in a single state
Bank 41.30%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.72%1.06%1.45%Beats 68%237 / 746
Return on Equity8.84%6.74%10.51%13.63%Beats 39%453 / 746
Net Interest Margin2.72%3.17%3.68%4.16%Beats 9%676 / 746
Efficiency Ratio41.30%55.74%64.58%75.47%Beats 96%31 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.99%11.55%13.75%17.60%Beats 61%289 / 746
Total Risk-Based Capital Ratio14.99%11.71%14.33%18.43%Beats 55%332 / 746
Equity / Assets15.13%8.90%10.51%13.06%Beats 87%94 / 746
Liquidity & Funding
Loans / Deposits30.86%61.31%78.27%90.78%2nd pctl730 / 746
Loans / Assets26.11%53.60%66.97%76.08%2nd pctl730 / 746
Brokered Deposits / Depositsn/aNot reported for this institution