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Custer Federal State Bank

Broken Bow, NE · Cert 28543 · CFSB Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$120.7MAssets
$83.5MLoans
$95.7MDeposits
$13.9MEquity
Loan mix
86%RE $49.9M12%C&I $6.9M2%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $84.1M12%Noninterest $11.7MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.21%Q2 ’255.38%Q2 ’26+3%+14%

Non-interest income vs. expense

2.47%Q2 ’242.40%Q2 ’252.36%Q2 ’26-3%-1%

Executive Summary

  • Earnings: ROA of 0.96%, up 25 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.99%, up 9 bps from a year ago.
  • Funding: loans stand at 87.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.96%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+43 bps YoY

Efficiency Ratio (quarter, annualized)

63.60%-930 bps YoY

Tier 1 Leverage Ratio

11.99%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.87%0.86%0.83%0.96%+25 bps
Return on Equity6.48%7.72%7.63%7.43%8.46%+198 bps
Net Interest Margin3.12%3.39%3.29%3.30%3.55%+43 bps
Efficiency Ratio72.90%69.53%68.74%69.79%63.60%-930 bps
Non-Interest Burden2.22%2.28%2.19%2.24%2.20%-3 bps
Growth
Asset Growth (YoY)-0.01%-0.27%-0.72%-0.78%0.03%+5 bps
Loan Growth (YoY)-0.11%3.58%3.22%9.68%12.57%+1,268 bps
Deposit Growth (YoY)2.20%-1.98%0.79%1.31%1.54%-66 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.00%0.00%0.00%0.00%-15 bps
Net Charge-Offs / Loans0.00%0.08%0.00%-0.01%0.00%0 bps
Allowance / Loans1.00%0.93%0.99%0.94%0.94%-6 bps
Allowance Coverage of NPLs6.7xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.90%12.17%11.89%11.78%11.99%+9 bps
Total Risk-Based Capital11.90%12.17%11.89%11.78%11.99%+9 bps
Equity / Assets11.19%11.39%11.06%11.19%11.54%+35 bps
Liquidity & Funding
Loans / Deposits78.68%85.53%75.87%79.36%87.22%+854 bps
Liquid Assets / Assets3.92%2.46%9.74%8.54%2.89%-103 bps
CRE / Total Capitaln/a27.50%13.80%15.47%n/an/a