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Bruning Bank

Bruning, NE · Cert 18748 · Bruning Bancshares Inc.

State charter, non-member · FDIC · 6 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

51

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

Bruning Bank

Bruning, NE · Cert 18748 · Bruning Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$659.9MAssets
$495.2MLoans
$560.4MDeposits
$60.0MEquity
Loan mix
87%RE $357.9M12%C&I $47.3M1%Consumer $4.8MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $481.3M14%Noninterest $79.1MQ2 2025Q2 2026

NIM

4.86%Q2 ’245.33%Q2 ’255.47%Q2 ’26+22%+13%

Non-interest income vs. expense

2.27%Q2 ’242.37%Q2 ’252.42%Q2 ’26+6%-1%

Market Position · Grand Island, NE · 2026 SOD (annual) · 1.8% share · #13 of 22 inst. · $0.1B of $3.6B

41.7% Thayer
27.7% Phelps
18.9% Custer
2.1% Hall

Executive Summary

  • Earnings: ROA of 1.23%, up 52 bps year over year; NIM at 3.62%.
  • 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 10.01%, up 49 bps from a year ago.
  • Funding: loans stand at 88.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+41 bps YoY

Efficiency Ratio (YTD, annualized)

59.95%-668 bps YoY

Tier 1 Leverage Ratio

10.01%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.79%0.88%1.19%1.23%+52 bps
Return on Equity9.37%10.24%11.20%13.92%14.13%+476 bps
Net Interest Margin3.20%3.12%3.17%3.55%3.62%+41 bps
Efficiency Ratio66.63%65.19%64.66%59.97%59.95%-668 bps
Non-Interest Burden2.02%1.91%1.92%1.96%2.00%-2 bps
Growth
Asset Growth (YoY)4.39%4.44%4.09%7.08%1.64%-275 bps
Loan Growth (YoY)14.38%13.20%14.35%11.09%6.23%-815 bps
Deposit Growth (YoY)7.70%3.81%4.85%7.34%7.31%-38 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 / Loans1.43%1.43%1.41%1.51%1.50%+7 bps
Allowance Coverage of NPLs392.1xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.52%9.32%9.47%9.63%10.01%+49 bps
Total Risk-Based Capital9.52%9.32%9.47%9.63%10.01%+49 bps
Equity / Assets7.84%8.09%8.45%8.60%9.10%+125 bps
Liquidity & Funding
Loans / Deposits89.25%94.10%91.23%84.63%88.35%-90 bps
Liquid Assets / Assets0.13%0.15%0.25%2.56%0.12%0 bps
CRE / Total Capitaln/a298%297%301%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

Bruning Bank

Bruning, NE · Cert 18748 · Peer group: banks under $1B in assets in NE (n=83) · Bruning Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$659.9MAssets
$495.2MLoans
$560.4MDeposits
$60.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in NE (rank 76 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.25%

Rank 38 of 83

Net Interest Margin

3.62%

Rank 42 of 83

Efficiency Ratio

59.95%

Rank 42 of 83

Equity / Assets

9.10%

Rank 76 of 83

Non-interest income vs. expense

$2.7M$15.9MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 51% of banks under $1B in assets in NE
Bank 59.95%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.93%1.20%1.51%Beats 54%38 / 83
Return on Equity13.71%8.04%10.34%13.11%Beats 83%14 / 83
Net Interest Margin3.62%3.25%3.62%4.02%Beats 49%42 / 83
Efficiency Ratio59.95%51.13%59.95%67.19%Beats 51%42 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio10.01%10.94%13.24%16.62%Beats 12%73 / 83
Total Risk-Based Capital Ratio10.01%11.04%13.54%17.63%Beats 12%73 / 83
Equity / Assets9.10%9.90%11.31%13.84%Beats 8%76 / 83
Liquidity & Funding
Loans / Deposits88.35%71.97%83.15%92.22%65th pctl29 / 83
Loans / Assets75.03%57.96%69.15%77.64%66th pctl28 / 83
Brokered Deposits / Depositsn/aNot reported for this institution