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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 2.06%, up 94 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 0.96% of loans (-39 bps YoY), with net recoveries of 0.69%.
  • 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 (quarter, annualized)

2.06%+94 bps YoY

Net Interest Margin (quarter, annualized)

4.72%+66 bps YoY

Efficiency Ratio (quarter, annualized)

49.87%-177 bps YoY

Tier 1 Leverage Ratio

18.04%+162 bps YoY

NIM

4.26%Q2 ’245.00%Q2 ’255.57%Q2 ’26+21%+16%

Non-interest income vs. expense

2.79%Q2 ’242.25%Q2 ’252.52%Q2 ’26-19%+12%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.14%1.63%1.12%1.87%1.18%1.96%2.06%+94 bps
Return on Equity6.45%6.43%9.39%6.60%10.70%6.62%10.98%11.47%+486 bps
Net Interest Margin3.71%3.89%3.94%4.06%4.45%4.51%4.47%4.72%+66 bps
Efficiency Ratio66.21%69.81%55.45%51.65%51.81%54.40%49.19%49.87%-177 bps
Non-Interest Burden2.30%2.61%2.00%1.95%2.14%2.28%2.03%2.19%+24 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-0.04%-0.99%0.11%2.59%-0.01%2.32%-0.02%-0.69%-328 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