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Letter portraitLegal landscapeQuarterYTD

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