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Tecumseh Federal Bank

Tecumseh, NE · Cert 30395

State savings bank · OCC · 1 branch

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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

2

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

Tecumseh Federal Bank

Tecumseh, NE · Cert 30395

State savings bank · OCC · 1 branch

Q2 2026

$53.1MAssets
$26.2MLoans
$36.3MDeposits
$11.1MEquity
Loan mix
92%RE $21.7M6%C&I $1.5M2%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
96%Interest-bearing $34.9M4%Noninterest $1.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.26%, up 12 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 0.17% of loans (-4 bps YoY), with net recoveries of 0.09%.
  • Capital: tier 1 leverage ratio of 21.26%, up 25 bps from a year ago.
  • Funding: loans stand at 71.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.26%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.43%+43 bps YoY

Efficiency Ratio (YTD, annualized)

84.91%-2,059 bps YoY

Tier 1 Leverage Ratio

21.26%+25 bps YoY

NIM

3.77%Q2 ’244.05%Q2 ’254.31%Q2 ’26-2%+22%

Non-interest income vs. expense

3.28%Q2 ’243.16%Q2 ’253.10%Q2 ’26-10%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.21%-0.15%-0.02%0.14%10.22%10.16%10.08%0.26%+12 bps
Return on Equity-1.04%-0.74%-0.08%0.71%1.06%0.77%0.39%1.26%+55 bps
Net Interest Margin2.02%2.00%1.98%1.99%2.06%2.11%2.40%2.43%+43 bps
Efficiency Ratio110.13%108.44%111.63%105.49%102.11%100.59%86.06%84.91%-2,059 bps
Non-Interest Burden2.33%2.25%2.31%2.16%2.13%2.13%1.89%1.88%-28 bps
Growth
Asset Growth (YoY)2.51%1.76%2.45%2.30%2.79%1.14%0.07%-0.71%-301 bps
Loan Growth (YoY)2.75%-0.70%-2.31%-4.49%-5.81%-5.02%-1.65%0.48%+498 bps
Deposit Growth (YoY)3.58%5.03%-0.21%0.03%2.12%0.50%2.09%1.04%+101 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.37%0.26%0.21%0.52%0.68%0.17%0.17%-4 bps
Net Charge-Offs / Loans-0.01%0.01%0.12%0.11%0.10%0.11%-0.02%-0.09%-20 bps
Allowance / Loans1.30%1.26%1.29%1.29%1.28%1.22%1.23%1.27%-1 bps
Allowance Coverage of NPLs2.4x3.4x5.0x6.2x2.5x1.8x7.3x7.6x+1.4x
Capital
Tier 1 Leverage Ratio21.44%21.21%21.12%21.02%21.42%21.28%21.22%21.26%+25 bps
Total Risk-Based Capital21.44%21.21%21.12%21.02%21.42%21.28%21.22%21.26%+25 bps
Equity / Assets20.85%20.02%20.14%20.17%20.84%20.85%20.87%20.99%+81 bps
Liquidity & Funding
Loans / Deposits77.63%75.67%73.75%72.36%71.60%71.52%71.05%71.97%-40 bps
Liquid Assets / Assets9.78%10.80%13.81%13.57%14.57%14.81%16.70%17.10%+353 bps
CRE / Total Capitaln/an/an/an/a12.92%14.99%18.75%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tecumseh Federal Bank

Tecumseh, NE · Cert 30395 · Peer group: banks under $1B in assets in NE (n=83)

State savings bank · OCC · 1 branch

Q2 2026

$53.1MAssets
$26.2MLoans
$36.3MDeposits
$11.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 95% of banks under $1B in assets in NE (rank 4 of 83).
  • Widest gap: return on equity trails 99% of banks under $1B in assets in NE (rank 82 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.26%

Rank 82 of 83

Net Interest Margin

2.43%

Rank 79 of 83

Efficiency Ratio

84.91%

Rank 82 of 83

Equity / Assets

20.99%

Rank 4 of 83

Non-interest income vs. expense

$0.7M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 2% of banks under $1B in assets in NE
Bank 84.91%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.26%0.93%1.20%1.51%Beats 1%82 / 83
Return on Equity1.26%8.04%10.34%13.11%Beats 1%82 / 83
Net Interest Margin2.43%3.25%3.62%4.02%Beats 5%79 / 83
Efficiency Ratio84.91%51.13%59.95%67.19%Beats 2%82 / 83
Asset Quality
Nonperforming Loans / Loans0.17%0.00%0.19%0.96%Beats 53%40 / 83
Net Charge-Offs / Loans0.03%n/a0.00%0.02%Beats 20%67 / 83
Capital
Tier 1 Capital Ratio21.26%10.94%13.24%16.62%Beats 90%8 / 83
Total Risk-Based Capital Ratio21.26%11.04%13.54%17.63%Beats 88%10 / 83
Equity / Assets20.99%9.90%11.31%13.84%Beats 95%4 / 83
Liquidity & Funding
Loans / Deposits71.97%71.97%83.15%92.22%24th pctl63 / 83
Loans / Assets49.29%57.96%69.15%77.64%13th pctl72 / 83
Brokered Deposits / Depositsn/aNot reported for this institution