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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