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Nebraskaland Bank

North Platte, NE · Cert 34811 · Nebraskaland Finl Services Inc.

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 $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=176). 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

6

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

16

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

Nebraskaland Bank

North Platte, NE · Cert 34811 · Nebraskaland Finl Services Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.1BAssets
$737.3MLoans
$853.7MDeposits
$90.6MEquity
Loan mix
85%RE $545.3M14%C&I $91.8M1%Consumer $6.5MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $732.8M14%Noninterest $120.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.52%, up 17 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.29% of loans (-86 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.12%, down 58 bps from a year ago.
  • Funding: loans stand at 86.36% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+28 bps YoY

Efficiency Ratio (YTD, annualized)

72.84%-821 bps YoY

Tier 1 Leverage Ratio

9.12%-58 bps YoY

NIM

4.13%Q2 ’244.32%Q2 ’254.46%Q2 ’26+12%+12%

Non-interest income vs. expense

1.85%Q2 ’242.00%Q2 ’251.97%Q2 ’26+6%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.32%0.29%0.35%0.32%0.39%0.48%0.52%+17 bps
Return on Equity3.31%3.64%3.17%3.85%3.53%4.24%5.43%5.99%+214 bps
Net Interest Margin2.06%2.13%2.19%2.27%2.34%2.38%2.59%2.55%+28 bps
Efficiency Ratio84.04%82.46%84.47%81.06%78.66%76.07%74.43%72.84%-821 bps
Non-Interest Burden1.70%1.72%1.83%1.80%1.81%1.77%1.88%1.81%+1 bps
Growth
Asset Growth (YoY)4.41%1.86%2.06%-3.27%-0.02%3.03%4.19%12.24%+1,551 bps
Loan Growth (YoY)-2.67%0.91%1.75%3.87%11.11%7.02%7.49%6.77%+290 bps
Deposit Growth (YoY)4.36%0.75%3.44%-3.13%-0.30%4.48%4.48%17.99%+2,112 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.40%1.15%0.31%0.30%0.29%0.29%-86 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.33%0.25%0.00%0.00%0 bps
Allowance / Loans1.02%0.98%0.96%1.04%0.89%0.94%0.94%0.97%-7 bps
Allowance Coverage of NPLsn/an/a0.7x0.9x2.9x3.1x3.3x3.4x+2.5x
Capital
Tier 1 Leverage Ratio9.56%9.87%10.00%9.69%9.73%9.36%9.46%9.12%-58 bps
Total Risk-Based Capital9.56%9.87%10.00%9.69%9.73%9.36%9.46%9.12%-58 bps
Equity / Assets8.91%9.07%9.15%9.24%9.13%8.88%8.78%8.51%-73 bps
Liquidity & Funding
Loans / Deposits84.10%92.11%91.99%95.44%93.72%94.35%94.64%86.36%-908 bps
Liquid Assets / Assets14.37%9.17%8.98%7.81%9.81%10.82%10.43%14.00%+619 bps
CRE / Total Capitaln/an/an/an/a353%364%361%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

Nebraskaland Bank

North Platte, NE · Cert 34811 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Nebraskaland Finl Services Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.1BAssets
$737.3MLoans
$853.7MDeposits
$90.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets operating regionally (rank 175 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.50%

Rank 164 of 176

Net Interest Margin

2.55%

Rank 170 of 176

Efficiency Ratio

72.84%

Rank 148 of 176

Equity / Assets

8.51%

Rank 149 of 176

Non-interest income vs. expense

$1.6M$20.6MINCOMEEXPENSE
Unfavorable gap of $19.0M · efficiency ratio beats 16% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.50%0.93%1.26%1.54%Beats 7%164 / 176n/a
Return on Equity5.88%9.26%11.89%14.46%Beats 10%158 / 176n/a
Net Interest Margin2.55%3.25%3.59%3.93%Beats 3%170 / 176n/a
Efficiency Ratio72.84%52.79%59.55%67.66%Beats 16%148 / 176n/a
Asset Quality
Nonperforming Loans / Loans0.29%0.30%0.64%1.32%Beats 78%40 / 176n/a
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176n/a
Capital
Tier 1 Capital Ratio9.12%11.15%12.72%14.15%Beats 1%175 / 176n/a
Total Risk-Based Capital Ratio9.12%11.81%13.63%15.33%Beats 1%175 / 176n/a
Equity / Assets8.51%9.16%10.35%11.80%Beats 15%149 / 176n/a
Liquidity & Funding
Loans / Deposits86.36%80.94%89.73%97.21%40th pctl106 / 176n/a
Loans / Assets69.27%69.25%75.12%80.82%26th pctl131 / 176n/a
Brokered Deposits / Depositsn/aNot reported for this institution