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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 0.44%, up 14 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.17% of loans (-4 bps YoY), with net recoveries of 0.17%.
  • 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 (quarter, annualized)

0.44%+14 bps YoY

Net Interest Margin (quarter, annualized)

2.46%+43 bps YoY

Efficiency Ratio (quarter, annualized)

83.72%-1,604 bps YoY

Tier 1 Leverage Ratio

21.26%+25 bps YoY

NIM

3.89%Q2 ’244.10%Q2 ’254.35%Q2 ’26-2%+21%

Non-interest income vs. expense

3.26%Q2 ’243.09%Q2 ’253.00%Q2 ’26-11%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%0.03%1-0.02%0.30%10.36%1-0.02%0.08%0.44%+14 bps
Return on Equity-0.64%0.15%-0.08%1.49%1.76%-0.07%0.39%2.12%+63 bps
Net Interest Margin2.01%1.98%1.98%2.03%2.13%2.30%2.40%2.46%+43 bps
Efficiency Ratio106.07%103.77%111.63%99.76%95.85%96.59%86.06%83.72%-1,604 bps
Non-Interest Burden2.20%2.10%2.31%2.02%2.00%2.18%1.89%1.87%-15 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 / Loans0.00%0.09%0.12%0.09%0.08%0.14%-0.02%-0.17%-26 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