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Western National Bank

Chester, NE · Cert 4778 · Summerfield Finl Services LLC

National charter · OCC · 11 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 NE3

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 NE (n=83). 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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

46

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

Western National Bank

Chester, NE · Cert 4778 · Summerfield Finl Services LLC

National charter · OCC · 11 branches

Q2 2026

$257.4MAssets
$204.4MLoans
$232.0MDeposits
$24.3MEquity
Loan mix
84%RE $130.3M13%C&I $20.7M3%Consumer $4.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $191.8M17%Noninterest $40.2MQ2 2025Q2 2026

NIM

5.07%Q2 ’245.45%Q2 ’255.44%Q2 ’26+11%+6%

Non-interest income vs. expense

2.41%Q2 ’242.48%Q2 ’252.40%Q2 ’26+6%-4%

Market Position · Grand Island, NE · 2026 SOD (annual) · 0.6% share · #19 of 22 inst. · $0.0B of $3.6B

16.4% Thayer
3.6% Gage
3.3% Marshall
14.4% Johnson

Executive Summary

  • Earnings: ROA of 1.21%, up 27 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.02% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.15%, up 10 bps from a year ago.
  • Funding: loans stand at 88.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+22 bps YoY

Efficiency Ratio (YTD, annualized)

61.33%-602 bps YoY

Tier 1 Leverage Ratio

9.15%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.98%1.00%1.21%1.21%+27 bps
Return on Equity10.53%10.87%10.85%12.77%12.75%+221 bps
Net Interest Margin3.59%3.63%3.66%3.77%3.81%+22 bps
Efficiency Ratio67.35%66.41%66.09%60.57%61.33%-602 bps
Non-Interest Burden2.34%2.33%2.32%2.20%2.25%-9 bps
Growth
Asset Growth (YoY)1.83%1.60%-2.06%6.46%4.93%+310 bps
Loan Growth (YoY)2.54%2.06%-1.24%2.45%6.14%+360 bps
Deposit Growth (YoY)1.57%3.27%3.71%6.45%4.69%+312 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.03%0.02%0.02%-1 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans1.17%1.15%1.17%1.17%1.14%-2 bps
Allowance Coverage of NPLs34.6x40.9x45.9x50.8x54.4x+19.8x
Capital
Tier 1 Leverage Ratio9.05%9.25%9.31%9.24%9.15%+10 bps
Total Risk-Based Capital12.87%13.08%13.08%9.24%9.15%-372 bps
Equity / Assets9.05%9.53%9.70%9.31%9.45%+40 bps
Liquidity & Funding
Loans / Deposits86.90%89.49%90.96%84.68%88.11%+121 bps
Liquid Assets / Assets2.89%3.09%3.17%3.44%3.79%+90 bps
CRE / Total Capitaln/a202%193.82%197.06%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

Western National Bank

Chester, NE · Cert 4778 · Peer group: banks under $1B in assets in NE (n=83) · Summerfield Finl Services LLC

National charter · OCC · 11 branches

Q2 2026

$257.4MAssets
$204.4MLoans
$232.0MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 70% of banks under $1B in assets in NE (rank 25 of 83).
  • Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets in NE (rank 81 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.20%

Rank 42 of 83

Net Interest Margin

3.81%

Rank 31 of 83

Efficiency Ratio

61.33%

Rank 46 of 83

Equity / Assets

9.45%

Rank 69 of 83

Non-interest income vs. expense

$0.4M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 46% of banks under $1B in assets in NE
Bank 61.33%Peer median 60.0%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.93%1.20%1.51%Beats 49%42 / 83
Return on Equity12.65%8.04%10.34%13.11%Beats 70%25 / 83
Net Interest Margin3.81%3.25%3.62%4.02%Beats 63%31 / 83
Efficiency Ratio61.33%51.13%59.95%67.19%Beats 46%46 / 83
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.19%0.96%Beats 67%28 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 57%37 / 83
Capital
Tier 1 Capital Ratio9.15%10.94%13.24%16.62%Beats 2%81 / 83
Total Risk-Based Capital Ratio9.15%11.04%13.54%17.63%Beats 2%81 / 83
Equity / Assets9.45%9.90%11.31%13.84%Beats 17%69 / 83
Liquidity & Funding
Loans / Deposits88.11%71.97%83.15%92.22%64th pctl30 / 83
Loans / Assets79.42%57.96%69.15%77.64%81st pctl16 / 83
Brokered Deposits / Depositsn/aNot reported for this institution