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Heartland Bank

Geneva, NE · Cert 18740 · Geneva State Co.

State charter, non-member · FDIC · 15 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

82

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

Heartland Bank

Geneva, NE · Cert 18740 · Geneva State Co.

State charter, non-member · FDIC · 15 branches

Q2 2026

$911.1MAssets
$652.1MLoans
$754.6MDeposits
$103.0MEquity
Loan mix
88%RE $392.4M11%C&I $48.3M1%Consumer $4.4MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $644.4M15%Noninterest $110.2MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

2.01%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+43 bps YoY

Efficiency Ratio (YTD, annualized)

48.46%-406 bps YoY

Tier 1 Leverage Ratio

10.25%+30 bps YoY

NIM

5.13%Q2 ’245.21%Q2 ’255.33%Q2 ’26+4%+12%

Non-interest income vs. expense

2.42%Q2 ’242.33%Q2 ’252.45%Q2 ’26-11%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets1.35%1.38%1.58%1.60%1.65%1.64%1.84%2.01%+40 bps
Net Interest Margin3.41%3.35%3.59%3.54%3.54%3.54%3.80%3.96%+43 bps
Non-Interest Burden1.59%1.49%1.46%1.44%1.39%1.42%1.42%1.35%-8 bps
Loan Growth (YoY)13.36%15.84%14.67%13.41%15.43%7.53%3.57%2.71%-1,070 bps
Nonperforming Loans / Loans0.06%0.05%0.18%0.20%0.14%0.23%0.26%0.13%-8 bps
Allowance / Loans1.11%1.10%1.12%1.10%1.06%1.07%1.11%1.09%0 bps
Tier 1 Leverage Ratio9.93%9.88%9.96%9.95%10.10%9.65%10.23%10.25%+30 bps
Equity / Assets10.61%9.94%10.53%10.67%11.00%10.78%11.55%11.30%+63 bps
Liquid Assets / Assets4.79%4.41%4.47%4.32%4.11%3.87%4.00%3.86%-47 bps

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

Heartland Bank

Geneva, NE · Cert 18740 · Peer group: banks under $1B in assets in NE (n=83) · Geneva State Co.

State charter, non-member · FDIC · 15 branches

Q2 2026

$911.1MAssets
$652.1MLoans
$754.6MDeposits
$103.0MEquity

Return on Assets

2.02%

Rank 9 of 83

Net Interest Margin

3.96%

Rank 23 of 83

Efficiency Ratio

49.28%

Rank 16 of 83

Equity / Assets

11.30%

Rank 43 of 83

Non-interest income vs. expense

$10.0M$22.4MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 82% of banks under $1B in assets in NE
Bank 49.28%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets2.02%0.93%1.20%1.51%Beats 89%9 / 83
Net Interest Margin3.96%3.25%3.62%4.02%Beats 72%23 / 83
Nonperforming Loans / Loans0.13%0.00%0.19%0.96%Beats 58%36 / 83
Tier 1 Capital Ratio10.25%10.94%13.24%16.62%Beats 16%70 / 83
Equity / Assets11.30%9.90%11.31%13.84%Beats 48%43 / 83
Loans / Assets71.57%57.96%69.15%77.64%55th pctl37 / 83