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Home Federal Savings and Loan Association of Grand Island

Grand Island, NE · Cert 29476 · Central Plains Bancshares Inc.

State savings bank · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

53

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

Home Federal Savings and Loan Association of Grand Island

Grand Island, NE · Cert 29476 · Central Plains Bancshares Inc.

State savings bank · OCC · 8 branches

Q2 2026

$562.9MAssets
$447.7MLoans
$482.1MDeposits
$72.5MEquity
Loan mix
86%RE $363.0M11%C&I $48.4M2%Consumer $9.9MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $399.5M17%Noninterest $82.5MQ3 2024Q2 2026

Market Position · Grand Island, NE · 2026 SOD (annual) · 10.2% share · #3 of 22 inst. · $0.4B of $3.6B

11.7% Hall
2.5% Adams
5.3% Phelps
1.6% Dawson

Executive Summary

  • Earnings: ROA of 1.01%, up 12 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.19% of loans (+4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.38%, down 38 bps from a year ago.
  • Funding: loans stand at 92.88% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+6 bps YoY

Efficiency Ratio (YTD, annualized)

65.91%-520 bps YoY

Tier 1 Leverage Ratio

13.38%-38 bps YoY

NIM

4.92%Q2 ’245.16%Q2 ’255.29%Q2 ’26+6%+2%

Non-interest income vs. expense

2.86%Q2 ’242.90%Q2 ’252.69%Q2 ’26+2%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.89%0.78%0.89%0.90%0.95%0.76%1.01%+12 bps
Return on Equity6.87%6.98%6.14%6.87%6.91%7.30%5.88%7.85%+98 bps
Net Interest Margin3.27%3.23%3.45%3.45%3.51%3.49%3.43%3.51%+6 bps
Efficiency Ratio73.16%72.44%70.76%71.10%71.32%70.62%69.10%65.91%-520 bps
Non-Interest Burden2.26%2.20%2.29%2.31%2.36%2.32%2.24%2.17%-14 bps
Growth
Asset Growth (YoY)6.18%6.56%9.82%7.38%5.82%10.66%9.81%12.37%+499 bps
Loan Growth (YoY)8.72%7.67%5.77%6.08%5.82%6.26%11.47%8.35%+228 bps
Deposit Growth (YoY)0.23%6.78%10.26%5.84%3.81%10.87%9.99%15.44%+960 bps
Asset Quality
Nonperforming Loans / Loans0.17%1.02%0.36%0.15%0.12%0.07%0.42%0.19%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.61%0.30%0.20%0.13%0.00%-0.01%-31 bps
Allowance / Loans1.47%1.46%1.35%1.32%1.31%1.30%1.30%1.32%0 bps
Allowance Coverage of NPLs8.9x1.4x3.8x8.6x11.1x17.5x3.1x6.9x-1.6x
Capital
Tier 1 Leverage Ratio13.87%13.77%13.75%13.76%14.05%13.96%13.45%13.38%-38 bps
Total Risk-Based Capital17.76%17.76%17.82%17.88%17.71%17.54%17.27%17.63%-25 bps
Equity / Assets12.91%12.83%12.67%13.19%13.29%13.00%12.70%12.89%-30 bps
Liquidity & Funding
Loans / Deposits97.55%98.32%92.73%98.96%99.44%94.23%93.98%92.88%-608 bps
Liquid Assets / Assets0.26%0.14%4.19%0.04%0.54%3.84%2.67%3.72%+368 bps
CRE / Total Capitaln/an/an/an/a280%287%288%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

Home Federal Savings and Loan Association of Grand Island

Grand Island, NE · Cert 29476 · Peer group: banks under $1B in assets (n=581-629) · Central Plains Bancshares Inc.

State savings bank · OCC · 8 branches

Q2 2026

$562.9MAssets
$447.7MLoans
$482.1MDeposits
$72.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 70% of banks under $1B in assets (rank 188 of 629).
  • Widest gap: return on equity trails 63% of banks under $1B in assets (rank 394 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.99%

Rank 324 of 629

Net Interest Margin

3.51%

Rank 324 of 629

Efficiency Ratio

66.75%

Rank 296 of 629

Equity / Assets

12.89%

Rank 188 of 629

Non-interest income vs. expense

$2.9M$15.0MINCOMEEXPENSE
Unfavorable gap of $12.1M · efficiency ratio beats 53% of banks under $1B in assets
Bank 66.75%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.99%0.60%1.01%1.45%Beats 48%324 / 629
Return on Equity7.69%5.38%9.30%13.28%Beats 37%394 / 629
Net Interest Margin3.51%3.03%3.54%4.05%Beats 48%324 / 629
Efficiency Ratio66.75%58.35%67.79%79.08%Beats 53%296 / 629
Asset Quality
Nonperforming Loans / Loans0.19%0.09%0.46%1.20%Beats 66%201 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 61%231 / 581
Capital
Tier 1 Capital Ratio16.38%11.24%13.84%18.77%Beats 67%209 / 629
Total Risk-Based Capital Ratio17.63%11.58%14.43%19.66%Beats 69%193 / 629
Equity / Assets12.89%9.09%10.65%13.80%Beats 70%188 / 629
Liquidity & Funding
Loans / Deposits92.88%67.24%80.90%93.48%74th pctl154 / 594
Loans / Assets79.55%53.31%67.71%78.15%81st pctl121 / 629
Brokered Deposits / Depositsn/aNot reported for this institution