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Arbor Bank

Nebraska City, NE · Cert 33450 · Oakland Financial Services Inc.

State charter, non-member · FDIC · 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 the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

17

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

Arbor Bank

Nebraska City, NE · Cert 33450 · Oakland Financial Services Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$701.7MAssets
$597.2MLoans
$607.8MDeposits
$61.1MEquity
Loan mix
77%RE $401.3M22%C&I $115.8M0%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $452.5M26%Noninterest $155.3MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.67%Q2 ’255.59%Q2 ’26+15%+2%

Non-interest income vs. expense

3.10%Q2 ’243.55%Q2 ’253.37%Q2 ’26+12%-7%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 1.0% share · #16 of 77 inst. · $0.4B of $42.7B

0.9% Douglas
5.0% Pottawattamie
18.6% Otoe
28.2% Fremont

Executive Summary

  • Earnings: ROA of 0.94%, up 21 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 1.03% of loans (-33 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.69%, down 38 bps from a year ago.
  • Funding: loans stand at 98.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.94%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+6 bps YoY

Efficiency Ratio (YTD, annualized)

73.29%-526 bps YoY

Tier 1 Leverage Ratio

8.69%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.83%0.87%0.82%0.94%+21 bps
Return on Equity8.14%9.34%9.78%9.47%10.80%+266 bps
Net Interest Margin3.80%3.82%3.59%3.84%3.86%+6 bps
Efficiency Ratio78.56%76.46%74.87%75.83%73.29%-526 bps
Non-Interest Burden2.83%2.73%2.48%2.75%2.63%-20 bps
Growth
Asset Growth (YoY)2.95%3.17%8.62%15.42%11.49%+855 bps
Loan Growth (YoY)7.70%7.79%11.52%11.07%12.24%+455 bps
Deposit Growth (YoY)2.86%1.45%2.07%13.20%9.17%+631 bps
Asset Quality
Nonperforming Loans / Loans1.36%1.19%0.87%0.90%1.03%-33 bps
Net Charge-Offs / Loans0.03%0.02%0.00%0.02%0.01%-2 bps
Allowance / Loans1.03%1.00%1.00%1.00%0.99%-4 bps
Allowance Coverage of NPLs0.8x0.8x1.1x1.1x1.0x+0.2x
Capital
Tier 1 Leverage Ratio9.07%9.02%9.06%8.91%8.69%-38 bps
Total Risk-Based Capital12.33%11.96%11.95%12.26%12.06%-27 bps
Equity / Assets8.78%8.66%8.88%8.44%8.70%-8 bps
Liquidity & Funding
Loans / Deposits95.56%98.17%101.88%90.90%98.26%+269 bps
Liquid Assets / Assets3.23%2.66%2.31%9.73%5.20%+197 bps
CRE / Total Capitaln/a278%290%295%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

Arbor Bank

Nebraska City, NE · Cert 33450 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Oakland Financial Services Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$701.7MAssets
$597.2MLoans
$607.8MDeposits
$61.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 67% of banks under $1B in assets in the Omaha, NE-IA area (rank 8 of 24).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets in the Omaha, NE-IA area (rank 20 of 24).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.92%

Rank 18 of 24

Net Interest Margin

3.86%

Rank 8 of 24

Efficiency Ratio

73.35%

Rank 21 of 24

Equity / Assets

8.70%

Rank 20 of 24

Non-interest income vs. expense

$5.2M$24.0MINCOMEEXPENSE
Unfavorable gap of $18.8M · efficiency ratio beats 17% of banks under $1B in assets in the Omaha, NE-IA area
Bank 73.35%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.92%1.29%1.77%Beats 25%18 / 24
Return on Equity10.59%9.64%12.01%15.30%Beats 29%17 / 24
Net Interest Margin3.86%3.02%3.76%3.98%Beats 67%8 / 24
Efficiency Ratio73.35%49.60%59.31%66.55%Beats 17%21 / 24
Asset Quality
Nonperforming Loans / Loans1.03%0.10%0.37%1.03%Beats 25%19 / 24
Net Charge-Offs / Loans0.01%n/a0.00%0.03%Beats 42%15 / 24
Capital
Tier 1 Capital Ratio11.02%10.53%11.57%13.63%Beats 33%16 / 24
Total Risk-Based Capital Ratio12.06%11.15%12.06%13.90%Beats 50%12 / 24
Equity / Assets8.70%8.87%10.14%12.27%Beats 17%20 / 24
Liquidity & Funding
Loans / Deposits98.26%75.32%83.30%93.06%83rd pctl4 / 24
Loans / Assets85.11%65.68%71.67%75.94%88th pctl3 / 24
Brokered Deposits / Depositsn/aNot reported for this institution