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First Central Bank McCook

McCook, NE · Cert 34995 · Central Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)

Q2 2026

$122.8MAssets
$100.8MLoans
$105.8MDeposits
$13.8MEquity
Loan mix
73%RE $45.8M20%C&I $12.2M7%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $91.5M14%Noninterest $14.3MQ2 2025Q2 2026

NIM

7.15%Q2 ’246.05%Q2 ’256.04%Q2 ’26-22%+6%

Non-interest income vs. expense

4.35%Q2 ’243.12%Q2 ’253.07%Q2 ’26-29%-2%

Executive Summary

  • Earnings: ROA of 0.66%, up 88 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 5.80% of loans (-63 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 11.30%, up 144 bps from a year ago.
  • Funding: loans stand at 95.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%+88 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+22 bps YoY

Efficiency Ratio (YTD, annualized)

77.00%-595 bps YoY

Tier 1 Leverage Ratio

11.30%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.22%-0.02%0.56%0.61%0.66%+88 bps
Return on Equity-2.27%-0.23%5.53%5.66%5.98%+825 bps
Net Interest Margin3.63%3.71%3.81%3.60%3.85%+22 bps
Efficiency Ratio82.95%83.75%69.01%77.53%77.00%-595 bps
Non-Interest Burden2.99%3.08%2.58%2.76%2.93%-5 bps
Growth
Asset Growth (YoY)2.24%-2.16%-2.30%-3.16%-2.81%-505 bps
Loan Growth (YoY)-4.31%-6.73%-8.40%-5.95%11.48%+1,579 bps
Deposit Growth (YoY)2.85%-0.19%-0.79%-2.01%-0.62%-347 bps
Asset Quality
Nonperforming Loans / Loans6.43%8.31%6.43%6.09%5.80%-63 bps
Net Charge-Offs / Loans2.79%1.85%1.30%-0.08%-0.04%-282 bps
Allowance / Loans1.56%1.68%1.80%1.90%1.66%+10 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio9.86%10.20%10.74%10.97%11.30%+144 bps
Total Risk-Based Capital13.80%13.70%14.94%15.20%14.37%+57 bps
Equity / Assets9.96%10.43%10.63%11.00%11.28%+132 bps
Liquidity & Funding
Loans / Deposits84.95%87.46%81.39%81.27%95.30%+1,034 bps
Liquid Assets / Assets10.16%9.77%10.19%11.22%7.81%-235 bps
CRE / Total Capitaln/a167.36%134.10%128.46%n/an/a