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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

5.97%Q2 ’245.35%Q2 ’254.57%Q2 ’26-15%-15%

Non-interest income vs. expense

1.72%Q2 ’241.15%Q2 ’251.15%Q2 ’26-24%+3%

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 1.37%, down 54 bps year over year; NIM at 2.76%.
  • 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 (quarter, annualized)

1.37%-54 bps YoY

Net Interest Margin (quarter, annualized)

2.76%-49 bps YoY

Efficiency Ratio (quarter, annualized)

41.76%+666 bps YoY

Tier 1 Leverage Ratio

14.99%-8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.18%0.54%1.28%1.37%-54 bps
Return on Equity12.97%7.93%3.62%8.73%9.33%-364 bps
Net Interest Margin3.25%3.13%2.73%2.75%2.76%-49 bps
Efficiency Ratio35.11%54.84%75.28%40.83%41.76%+666 bps
Non-Interest Burden1.12%1.68%1.98%1.08%1.15%+4 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