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Cedar Security Bank

Fordyce, NE · Cert 25591 · Cedar Financial Holding Inc.

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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

81

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 Security Bank

Fordyce, NE · Cert 25591 · Cedar Financial Holding Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$62.1MAssets
$37.2MLoans
$49.0MDeposits
$11.3MEquity
Loan mix
70%RE $15.1M24%C&I $5.1M6%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $37.4M24%Noninterest $11.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.01%, up 63 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.96% of loans (-39 bps YoY), with net recoveries of 0.35%.
  • Capital: tier 1 leverage ratio of 18.04%, up 162 bps from a year ago.
  • Funding: loans stand at 76.01% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.01%+63 bps YoY

Net Interest Margin (YTD, annualized)

4.54%+58 bps YoY

Efficiency Ratio (YTD, annualized)

49.54%-398 bps YoY

Tier 1 Leverage Ratio

18.04%+162 bps YoY

NIM

4.20%Q2 ’244.87%Q2 ’255.38%Q2 ’26+20%+15%

Non-interest income vs. expense

2.68%Q2 ’242.31%Q2 ’252.41%Q2 ’26-14%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.78%1.63%1.38%1.55%1.46%1.96%2.01%+63 bps
Return on Equity3.88%4.54%9.39%7.99%8.91%8.32%10.98%11.23%+325 bps
Net Interest Margin3.39%3.56%3.94%3.95%4.08%4.27%4.47%4.54%+58 bps
Efficiency Ratio70.02%69.97%55.45%53.53%52.90%53.30%49.19%49.54%-398 bps
Non-Interest Burden2.24%2.36%2.00%1.95%1.99%2.11%2.03%2.08%+13 bps
Growth
Asset Growth (YoY)-0.34%-5.05%12.50%9.55%7.10%10.07%3.77%2.95%-661 bps
Loan Growth (YoY)2.18%0.03%20.62%17.54%20.51%22.77%10.79%16.49%-105 bps
Deposit Growth (YoY)5.00%1.57%15.29%11.03%7.86%10.72%3.07%2.17%-886 bps
Asset Quality
Nonperforming Loans / Loans0.90%1.16%1.90%1.36%1.49%0.99%1.79%0.96%-39 bps
Net Charge-Offs / Loans-0.05%-0.29%0.11%1.35%0.85%1.21%-0.02%-0.35%-170 bps
Allowance / Loans3.35%3.61%3.27%2.78%2.64%2.32%2.36%2.30%-48 bps
Allowance Coverage of NPLs3.7x3.1x1.7x2.0x1.8x2.3x1.3x2.4x+0.3x
Capital
Tier 1 Leverage Ratio17.82%18.23%17.42%16.42%17.25%17.98%18.20%18.04%+162 bps
Total Risk-Based Capital17.82%18.23%17.42%16.42%17.25%17.98%18.20%18.04%+162 bps
Equity / Assets17.46%17.86%16.90%17.16%17.76%17.86%17.77%18.15%+99 bps
Liquidity & Funding
Loans / Deposits63.96%64.57%63.80%66.67%71.46%71.60%68.58%76.01%+935 bps
Liquid Assets / Assets17.94%16.84%14.96%25.54%17.72%22.26%26.45%18.42%-712 bps
CRE / Total Capitaln/an/an/an/a8.75%8.19%8.86%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 Security Bank

Fordyce, NE · Cert 25591 · Peer group: banks under $1B in assets in NE (n=83) · Cedar Financial Holding Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$62.1MAssets
$37.2MLoans
$49.0MDeposits
$11.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in NE (rank 5 of 83).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in NE (rank 73 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.00%

Rank 10 of 83

Net Interest Margin

4.54%

Rank 5 of 83

Efficiency Ratio

49.54%

Rank 17 of 83

Equity / Assets

18.15%

Rank 8 of 83

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 81% of banks under $1B in assets in NE
Bank 49.54%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.00%0.93%1.20%1.51%Beats 88%10 / 83
Return on Equity11.01%8.04%10.34%13.11%Beats 58%35 / 83
Net Interest Margin4.54%3.25%3.62%4.02%Beats 94%5 / 83
Efficiency Ratio49.54%51.13%59.95%67.19%Beats 81%17 / 83
Asset Quality
Nonperforming Loans / Loans0.96%0.00%0.19%0.96%Beats 24%64 / 83
Net Charge-Offs / Loans0.08%n/a0.00%0.02%Beats 13%73 / 83
Capital
Tier 1 Capital Ratio18.04%10.94%13.24%16.62%Beats 78%18 / 83
Total Risk-Based Capital Ratio18.04%11.04%13.54%17.63%Beats 77%19 / 83
Equity / Assets18.15%9.90%11.31%13.84%Beats 90%8 / 83
Liquidity & Funding
Loans / Deposits76.01%71.97%83.15%92.22%27th pctl61 / 83
Loans / Assets59.96%57.96%69.15%77.64%29th pctl59 / 83
Brokered Deposits / Depositsn/aNot reported for this institution