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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