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Western Nebraska Bank

Curtis, NE · Cert 1983 · WNB Holdings LLC

State charter, non-member · FDIC · 4 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

35

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

Western Nebraska Bank

Curtis, NE · Cert 1983 · WNB Holdings LLC

State charter, non-member · FDIC · 4 branches

Q2 2026

$193.3MAssets
$154.9MLoans
$163.7MDeposits
$16.2MEquity
Loan mix
80%RE $89.7M17%C&I $19.4M3%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $150.5M8%Noninterest $13.2MQ2 2025Q2 2026

NIM

5.73%Q2 ’245.97%Q2 ’256.19%Q2 ’26+13%+12%

Non-interest income vs. expense

2.94%Q2 ’242.75%Q2 ’253.11%Q2 ’26-11%+15%

Executive Summary

  • Earnings: ROA of 1.28%, up 10 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.01% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.07%, up 36 bps from a year ago.
  • Funding: loans stand at 94.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+44 bps YoY

Efficiency Ratio (YTD, annualized)

65.19%+156 bps YoY

Tier 1 Leverage Ratio

10.07%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.17%1.19%1.05%1.28%+10 bps
Return on Equity16.18%15.91%15.99%13.01%15.59%-59 bps
Net Interest Margin3.73%3.68%3.64%3.96%4.17%+44 bps
Efficiency Ratio63.64%65.38%65.23%67.60%65.19%+156 bps
Non-Interest Burden2.17%2.21%2.18%2.51%2.50%+33 bps
Growth
Asset Growth (YoY)7.86%9.82%8.58%5.15%5.46%-240 bps
Loan Growth (YoY)9.19%14.08%15.99%11.94%11.64%+244 bps
Deposit Growth (YoY)0.66%7.27%9.72%8.53%7.61%+695 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.01%0.11%0.01%-1 bps
Net Charge-Offs / Loans0.07%0.04%0.03%0.01%0.00%-7 bps
Allowance / Loans1.04%0.99%1.01%1.09%1.05%+1 bps
Allowance Coverage of NPLs65.3x106.4x118.0x10.1x147.4x+82.0x
Capital
Tier 1 Leverage Ratio9.71%9.49%9.09%9.68%10.07%+36 bps
Total Risk-Based Capital9.71%9.49%9.09%9.68%10.07%+36 bps
Equity / Assets7.24%7.59%7.73%8.46%8.38%+113 bps
Liquidity & Funding
Loans / Deposits91.18%94.53%95.64%87.99%94.59%+341 bps
Liquid Assets / Assets0.11%0.05%0.09%0.44%0.08%-3 bps
CRE / Total Capitaln/a171.86%172.47%159.32%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

Western Nebraska Bank

Curtis, NE · Cert 1983 · Peer group: banks under $1B in assets in NE (n=83) · WNB Holdings LLC

State charter, non-member · FDIC · 4 branches

Q2 2026

$193.3MAssets
$154.9MLoans
$163.7MDeposits
$16.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 87% of banks under $1B in assets in NE (rank 11 of 83).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets in NE (rank 81 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.25%

Rank 36 of 83

Net Interest Margin

4.17%

Rank 12 of 83

Efficiency Ratio

65.19%

Rank 55 of 83

Equity / Assets

8.38%

Rank 81 of 83

Non-interest income vs. expense

$1.1M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 35% of banks under $1B in assets in NE
Bank 65.19%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 57%36 / 83
Return on Equity14.97%8.04%10.34%13.11%Beats 87%11 / 83
Net Interest Margin4.17%3.25%3.62%4.02%Beats 86%12 / 83
Efficiency Ratio65.19%51.13%59.95%67.19%Beats 35%55 / 83
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.19%0.96%Beats 72%24 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 46%46 / 83
Capital
Tier 1 Capital Ratio10.07%10.94%13.24%16.62%Beats 14%71 / 83
Total Risk-Based Capital Ratio10.07%11.04%13.54%17.63%Beats 14%71 / 83
Equity / Assets8.38%9.90%11.31%13.84%Beats 2%81 / 83
Liquidity & Funding
Loans / Deposits94.59%71.97%83.15%92.22%81st pctl16 / 83
Loans / Assets80.14%57.96%69.15%77.64%83rd pctl14 / 83
Brokered Deposits / Depositsn/aNot reported for this institution