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Cedar Rapids State Bank

Cedar Rapids, NE · Cert 18820 · Cedar Rapids State Co.

State charter, non-member · FDIC · 3 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

36

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

59

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

Cedar Rapids State Bank

Cedar Rapids, NE · Cert 18820 · Cedar Rapids State Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$174.9MAssets
$146.5MLoans
$157.4MDeposits
$16.5MEquity
Loan mix
83%RE $102.6M16%C&I $19.5M2%Consumer $2.3MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $145.7M7%Noninterest $11.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.93%, down 20 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.73% of loans (+127 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.55%, down 39 bps from a year ago.
  • Funding: loans stand at 93.02% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.93%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.37%+5 bps YoY

Efficiency Ratio (YTD, annualized)

57.47%+116 bps YoY

Tier 1 Leverage Ratio

9.55%-39 bps YoY

NIM

6.16%Q2 ’246.25%Q2 ’255.99%Q2 ’26+27%+2%

Non-interest income vs. expense

2.13%Q2 ’242.02%Q2 ’252.10%Q2 ’26-5%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.63%1.10%1.13%1.14%0.83%1.11%0.93%-20 bps
Return on Equity5.86%7.24%11.35%11.61%11.71%8.59%11.66%9.81%-179 bps
Net Interest Margin2.58%2.67%3.25%3.32%3.27%3.21%3.32%3.37%+5 bps
Efficiency Ratio69.21%66.44%57.66%56.31%56.15%57.29%57.32%57.47%+116 bps
Non-Interest Burden1.71%1.68%1.73%1.75%1.73%1.73%1.79%1.81%+6 bps
Growth
Asset Growth (YoY)21.38%13.42%10.34%3.49%4.94%5.58%5.80%1.92%-157 bps
Loan Growth (YoY)16.90%9.71%6.47%1.67%3.31%1.66%1.37%-0.61%-229 bps
Deposit Growth (YoY)26.27%20.76%13.41%5.15%-0.15%5.68%6.33%1.85%-330 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.22%0.23%0.46%1.15%0.05%0.48%1.73%+127 bps
Net Charge-Offs / Loans0.05%0.04%0.00%0.00%0.00%0.63%0.00%0.00%0 bps
Allowance / Loans0.73%0.75%0.79%0.80%0.84%0.67%0.73%0.87%+7 bps
Allowance Coverage of NPLs1.3x3.4x3.5x1.7x0.7x13.1x1.5x0.5x-1.2x
Capital
Tier 1 Leverage Ratio9.08%9.42%9.80%9.94%9.80%9.26%9.41%9.55%-39 bps
Total Risk-Based Capital13.08%13.38%13.98%13.62%13.85%13.27%13.79%13.51%-11 bps
Equity / Assets9.05%9.53%9.90%9.67%9.77%9.44%9.53%9.45%-22 bps
Liquidity & Funding
Loans / Deposits94.36%97.39%94.95%95.32%97.64%93.69%90.52%93.02%-231 bps
Liquid Assets / Assets6.01%5.62%6.76%4.45%2.18%2.43%3.82%1.95%-251 bps
CRE / Total Capitaln/an/an/an/a258%272%268%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

Cedar Rapids State Bank

Cedar Rapids, NE · Cert 18820 · Peer group: banks under $1B in assets in NE (n=83) · Cedar Rapids State Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$174.9MAssets
$146.5MLoans
$157.4MDeposits
$16.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in NE (rank 72 of 83).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.93%

Rank 63 of 83

Net Interest Margin

3.37%

Rank 59 of 83

Efficiency Ratio

57.47%

Rank 35 of 83

Equity / Assets

9.45%

Rank 70 of 83

Non-interest income vs. expense

$0.5M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.2M · efficiency ratio beats 59% of banks under $1B in assets in NE
Bank 57.47%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.93%0.93%1.20%1.51%Beats 24%63 / 83
Return on Equity9.81%8.04%10.34%13.11%Beats 43%47 / 83
Net Interest Margin3.37%3.25%3.62%4.02%Beats 29%59 / 83
Efficiency Ratio57.47%51.13%59.95%67.19%Beats 59%35 / 83
Asset Quality
Nonperforming Loans / Loans1.73%0.00%0.19%0.96%Beats 14%72 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio12.48%10.94%13.24%16.62%Beats 43%47 / 83
Total Risk-Based Capital Ratio13.51%11.04%13.54%17.63%Beats 48%43 / 83
Equity / Assets9.45%9.90%11.31%13.84%Beats 16%70 / 83
Liquidity & Funding
Loans / Deposits93.02%71.97%83.15%92.22%76th pctl20 / 83
Loans / Assets83.72%57.96%69.15%77.64%92nd pctl7 / 83
Brokered Deposits / Depositsn/aNot reported for this institution