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Lincoln Federal Savings Bank of Nebraska

Lincoln, NE · Cert 29692 · Lincoln Federal Bcorp M H C

State savings bank · OCC · 13 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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

3

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

1

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

Lincoln Federal Savings Bank of Nebraska

Lincoln, NE · Cert 29692 · Lincoln Federal Bcorp M H C

State savings bank · OCC · 13 branches

Q2 2026

$387.3MAssets
$285.3MLoans
$326.5MDeposits
$40.3MEquity
Loan mix
100%RE $295.0M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $304.5M7%Noninterest $22.0MQ2 2025Q2 2026

NIM

4.36%Q2 ’244.57%Q2 ’254.82%Q2 ’26+56%+35%

Non-interest income vs. expense

2.60%Q2 ’243.29%Q2 ’253.39%Q2 ’26+12%-2%

Market Position · Lincoln, NE · 2026 SOD (annual) · 0.8% share · #20 of 33 inst. · $0.1B of $16.1B

0.9% Lancaster
3.1% Adams
1.8% Lincoln
0.1% Douglas

Executive Summary

  • Earnings: ROA of 0.38%, up 51 bps year over year; NIM at 2.22%.
  • Asset quality: problem loans at 0.46% of loans (+20 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 11.70%, down 3 bps from a year ago.
  • Funding: loans stand at 87.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%+51 bps YoY

Net Interest Margin (YTD, annualized)

2.22%+58 bps YoY

Efficiency Ratio (YTD, annualized)

87.52%-1,677 bps YoY

Tier 1 Leverage Ratio

11.70%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%0.09%0.15%0.42%0.38%+51 bps
Return on Equity-1.34%0.89%1.52%4.01%3.63%+498 bps
Net Interest Margin1.64%1.78%1.84%2.22%2.22%+58 bps
Efficiency Ratio104.30%92.42%91.02%86.85%87.52%-1,677 bps
Non-Interest Burden1.77%1.51%1.52%1.72%1.73%-4 bps
Growth
Asset Growth (YoY)-5.66%-4.74%7.10%4.03%4.01%+967 bps
Loan Growth (YoY)-8.33%2.42%11.42%7.91%3.46%+1,179 bps
Deposit Growth (YoY)9.10%-1.13%0.48%-1.18%1.07%-803 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.24%0.47%0.54%0.46%+20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.10%-0.05%-5 bps
Allowance / Loans1.45%1.39%1.31%1.31%1.35%-10 bps
Allowance Coverage of NPLs5.6x5.7x2.8x2.4x3.0x-2.7x
Capital
Tier 1 Leverage Ratio11.73%11.98%11.81%11.70%11.70%-3 bps
Total Risk-Based Capital21.43%20.92%19.65%19.87%19.55%-189 bps
Equity / Assets10.08%10.54%10.28%10.45%10.42%+33 bps
Liquidity & Funding
Loans / Deposits85.34%90.88%94.83%90.89%87.36%+202 bps
Liquid Assets / Assets2.75%0.04%0.05%2.12%5.58%+283 bps
CRE / Total Capitaln/a219%252%249%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

Lincoln Federal Savings Bank of Nebraska

Lincoln, NE · Cert 29692 · Peer group: banks under $1B in assets in NE (n=83) · Lincoln Federal Bcorp M H C

State savings bank · OCC · 13 branches

Q2 2026

$387.3MAssets
$285.3MLoans
$326.5MDeposits
$40.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in NE (rank 83 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.38%

Rank 81 of 83

Net Interest Margin

2.22%

Rank 83 of 83

Efficiency Ratio

87.52%

Rank 83 of 83

Equity / Assets

10.42%

Rank 55 of 83

Non-interest income vs. expense

$6.5M$13.3MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 1% of banks under $1B in assets in NE
Bank 87.52%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.38%0.93%1.20%1.51%Beats 2%81 / 83
Return on Equity3.61%8.04%10.34%13.11%Beats 6%78 / 83
Net Interest Margin2.22%3.25%3.62%4.02%Beats 0%83 / 83
Efficiency Ratio87.52%51.13%59.95%67.19%Beats 1%83 / 83
Asset Quality
Nonperforming Loans / Loans0.46%0.00%0.19%0.96%Beats 30%59 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio18.29%10.94%13.24%16.62%Beats 82%15 / 83
Total Risk-Based Capital Ratio19.55%11.04%13.54%17.63%Beats 83%14 / 83
Equity / Assets10.42%9.90%11.31%13.84%Beats 34%55 / 83
Liquidity & Funding
Loans / Deposits87.36%71.97%83.15%92.22%63rd pctl31 / 83
Loans / Assets73.66%57.96%69.15%77.64%60th pctl33 / 83
Brokered Deposits / Depositsn/aNot reported for this institution