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Equitable Bank

Grand Island, NE · Cert 31485 · Equitable Financial Corp.

State charter, Fed member · FED · 6 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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

Equitable Bank

Grand Island, NE · Cert 31485 · Equitable Financial Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$523.5MAssets
$454.1MLoans
$448.5MDeposits
$54.9MEquity
Loan mix
92%RE $366.6M7%C&I $29.3M1%Consumer $4.2MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $394.5M12%Noninterest $54.0MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.53%Q2 ’255.70%Q2 ’26+13%+13%

Non-interest income vs. expense

2.91%Q2 ’243.04%Q2 ’253.32%Q2 ’26+6%+6%

Market Position · Grand Island, NE · 2026 SOD (annual) · 5.5% share · #6 of 22 inst. · $0.2B of $3.6B

6.3% Hall
9.8% Lincoln
0.3% Douglas

Executive Summary

  • Earnings: ROA of 1.10%, up 46 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.01% of loans (-35 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.45%, up 76 bps from a year ago.
  • Funding: loans stand at 101.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+41 bps YoY

Efficiency Ratio (YTD, annualized)

71.06%-290 bps YoY

Tier 1 Leverage Ratio

10.45%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.56%0.64%0.92%1.10%+46 bps
Return on Equity6.60%5.72%6.44%8.85%10.50%+390 bps
Net Interest Margin3.09%3.23%3.26%3.39%3.50%+41 bps
Efficiency Ratio73.96%74.23%74.29%74.19%71.06%-290 bps
Non-Interest Burden2.06%2.15%2.18%2.28%2.19%+13 bps
Growth
Asset Growth (YoY)1.44%0.03%1.63%-1.98%0.97%-47 bps
Loan Growth (YoY)-0.40%-0.91%-1.29%-0.47%0.82%+121 bps
Deposit Growth (YoY)1.07%-2.08%1.14%-2.46%-1.43%-249 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.02%0.01%0.01%0.01%-35 bps
Net Charge-Offs / Loans0.22%0.34%0.25%0.00%0.00%-23 bps
Allowance / Loans1.35%1.38%1.36%1.33%1.30%-5 bps
Allowance Coverage of NPLs3.8x59.2x169.4x109.3x140.5x+136.7x
Capital
Tier 1 Leverage Ratio9.69%10.07%10.23%10.28%10.45%+76 bps
Total Risk-Based Capital13.42%13.77%13.82%14.20%14.03%+61 bps
Equity / Assets9.91%10.30%10.31%10.50%10.50%+58 bps
Liquidity & Funding
Loans / Deposits98.99%102.41%99.77%97.53%101.24%+225 bps
Liquid Assets / Assets0.65%1.41%0.62%1.42%0.71%+7 bps
CRE / Total Capitaln/a307%315%303%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

Equitable Bank

Grand Island, NE · Cert 31485 · Peer group: banks under $1B in assets in NE (n=83) · Equitable Financial Corp.

State charter, Fed member · FED · 6 branches

Q2 2026

$523.5MAssets
$454.1MLoans
$448.5MDeposits
$54.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
  • Widest gap: efficiency ratio trails 86% of banks under $1B in assets in NE (rank 72 of 83).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.09%

Rank 52 of 83

Net Interest Margin

3.50%

Rank 50 of 83

Efficiency Ratio

71.78%

Rank 72 of 83

Equity / Assets

10.50%

Rank 52 of 83

Non-interest income vs. expense

$5.9M$17.3MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 14% of banks under $1B in assets in NE
Bank 71.78%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.93%1.20%1.51%Beats 37%52 / 83
Return on Equity10.34%8.04%10.34%13.11%Beats 49%42 / 83
Net Interest Margin3.50%3.25%3.62%4.02%Beats 40%50 / 83
Efficiency Ratio71.78%51.13%59.95%67.19%Beats 14%72 / 83
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.19%0.96%Beats 70%26 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio12.77%10.94%13.24%16.62%Beats 45%46 / 83
Total Risk-Based Capital Ratio14.03%11.04%13.54%17.63%Beats 52%40 / 83
Equity / Assets10.50%9.90%11.31%13.84%Beats 37%52 / 83
Liquidity & Funding
Loans / Deposits101.24%71.97%83.15%92.22%89th pctl9 / 83
Loans / Assets86.73%57.96%69.15%77.64%95th pctl4 / 83
Brokered Deposits / Depositsn/aNot reported for this institution