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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 0.26%, 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