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Two Rivers State Bank

Blair, NE · Cert 34468

FDIC · 2 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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

Two Rivers State Bank

Blair, NE · Cert 34468

FDIC · 2 branches

Q3 2021

$146.1MAssets
$77.0MLoans
$122.4MDeposits
$20.2MEquity
Loan mix
83%RE $47.6M12%C&I $7.0M4%Consumer $2.6MQ3 2020Q3 2021
Deposit mix
69%Interest-bearing $84.9M31%Noninterest $37.5MQ3 2020Q3 2021

NIM

4.22%Q3 ’193.86%Q3 ’203.35%Q3 ’21-6%-4%

Non-interest income vs. expense

2.60%Q3 ’192.46%Q3 ’202.60%Q3 ’21-13%+7%

Market Position · Omaha-Council Bluffs, NE-IA · 2021 SOD (annual) · 0.3% share · #32 of 72 inst. · $0.1B of $36.8B

Executive Summary

  • Earnings: ROA of 1.10%, down 65 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.18% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.86%, down 61 bps from a year ago.
  • Funding: loans stand at 62.87% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.10%-65 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-12 bps YoY

Efficiency Ratio (YTD, annualized)

70.29%+579 bps YoY

Tier 1 Leverage Ratio

12.86%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets1.75%1.27%1.69%1.31%1.10%-65 bps
Return on Equity12.90%9.21%11.93%9.37%7.94%-496 bps
Net Interest Margin3.19%3.13%3.73%3.25%3.07%-12 bps
Efficiency Ratio64.50%73.33%60.73%67.13%70.29%+579 bps
Non-Interest Burden1.84%2.11%1.97%1.97%1.97%+13 bps
Growth
Asset Growth (YoY)1.23%-2.05%3.11%-2.65%0.98%-25 bps
Loan Growth (YoY)-3.85%-10.64%-12.94%-16.70%-10.21%-636 bps
Deposit Growth (YoY)2.10%4.12%11.28%4.03%8.57%+647 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.18%0.64%0.19%0.18%+2 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%-2 bps
Allowance / Loans1.49%1.61%1.68%1.72%1.67%+18 bps
Allowance Coverage of NPLs9.1x9.2x2.6x9.2x9.2x+0.2x
Capital
Tier 1 Leverage Ratio13.47%13.04%13.61%12.74%12.86%-61 bps
Total Risk-Based Capital20.53%20.46%21.19%20.76%20.33%-19 bps
Equity / Assets14.52%14.52%13.79%13.55%13.85%-67 bps
Liquidity & Funding
Loans / Deposits76.02%69.06%62.05%59.67%62.87%-1,315 bps
Liquid Assets / Assets0.21%0.22%0.19%0.18%0.28%+7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a