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Bank of the Valley

Bellwood, NE · Cert 25291 · Bellwood Community Holding Co.

State charter, non-member · FDIC · 7 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

29

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

35

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

19

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 2026-10-10

Bank of the Valley

Bellwood, NE · Cert 25291 · Bellwood Community Holding Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

$581.9MAssets
$456.8MLoans
$490.8MDeposits
$53.0MEquity
Loan mix
88%RE $281.3M11%C&I $34.6M2%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $441.4M10%Noninterest $49.4MQ2 2025Q2 2026

NIM

6.00%Q2 ’246.07%Q2 ’256.11%Q2 ’26+6%+9%

Non-interest income vs. expense

2.67%Q2 ’242.79%Q2 ’252.73%Q2 ’26+6%-3%

Executive Summary

  • Earnings: ROA of 0.87%, up 26 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.05% of loans (-18 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.87%, up 43 bps from a year ago.
  • Funding: loans stand at 93.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+32 bps YoY

Efficiency Ratio (YTD, annualized)

69.81%-843 bps YoY

Tier 1 Leverage Ratio

9.87%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.66%0.71%0.78%0.87%+26 bps
Return on Equity6.79%7.41%7.84%8.47%9.45%+266 bps
Net Interest Margin3.34%3.44%3.53%3.66%3.66%+32 bps
Efficiency Ratio78.23%76.70%76.20%71.87%69.81%-843 bps
Non-Interest Burden2.61%2.63%2.68%2.61%2.53%-8 bps
Growth
Asset Growth (YoY)1.86%2.81%3.21%3.65%6.50%+464 bps
Loan Growth (YoY)1.06%-2.99%-1.56%3.98%4.89%+383 bps
Deposit Growth (YoY)-3.40%0.01%-1.03%2.65%5.65%+904 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.12%0.05%0.05%0.05%-18 bps
Net Charge-Offs / Loans0.04%0.01%0.01%0.00%0.00%-4 bps
Allowance / Loans1.48%1.48%1.43%1.40%1.37%-11 bps
Allowance Coverage of NPLs6.5x12.1x28.7x29.0x29.5x+23.0x
Capital
Tier 1 Leverage Ratio9.44%9.69%9.85%9.95%9.87%+43 bps
Total Risk-Based Capital12.59%12.84%12.94%12.84%12.81%+22 bps
Equity / Assets8.76%9.13%9.30%9.19%9.11%+35 bps
Liquidity & Funding
Loans / Deposits93.74%93.75%95.50%93.85%93.07%-67 bps
Liquid Assets / Assets2.69%2.93%1.61%1.68%2.07%-63 bps
CRE / Total Capitaln/a157.82%154.36%174.04%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 2026-10-10

Bank of the Valley

Bellwood, NE · Cert 25291 · Peer group: banks under $1B in assets in NE (n=83) · Bellwood Community Holding Co.

State charter, non-member · FDIC · 7 branches

Q2 2026

$581.9MAssets
$456.8MLoans
$490.8MDeposits
$53.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 64% of banks under $1B in assets in NE (rank 31 of 83).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in NE (rank 75 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.84%

Rank 69 of 83

Net Interest Margin

3.66%

Rank 40 of 83

Efficiency Ratio

70.75%

Rank 68 of 83

Equity / Assets

9.11%

Rank 75 of 83

Non-interest income vs. expense

$1.1M$15.1MINCOMEEXPENSE
Unfavorable gap of $14.1M · efficiency ratio beats 19% of banks under $1B in assets in NE
Bank 70.75%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.93%1.20%1.51%Beats 17%69 / 83
Return on Equity9.20%8.04%10.34%13.11%Beats 35%54 / 83
Net Interest Margin3.66%3.25%3.62%4.02%Beats 52%40 / 83
Efficiency Ratio70.75%51.13%59.95%67.19%Beats 19%68 / 83
Asset Quality
Nonperforming Loans / Loans0.05%0.00%0.19%0.96%Beats 64%31 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 54%41 / 83
Capital
Tier 1 Capital Ratio11.56%10.94%13.24%16.62%Beats 36%53 / 83
Total Risk-Based Capital Ratio12.81%11.04%13.54%17.63%Beats 41%49 / 83
Equity / Assets9.11%9.90%11.31%13.84%Beats 10%75 / 83
Liquidity & Funding
Loans / Deposits93.07%71.97%83.15%92.22%77th pctl19 / 83
Loans / Assets78.50%57.96%69.15%77.64%78th pctl18 / 83
Brokered Deposits / Depositsn/aNot reported for this institution