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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 $4.5MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $191.8M17%Noninterest $40.2MQ3 2024Q2 2026

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 1.19%, up 23 bps year over year; NIM at 3.88%.
  • 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.

Return on Assets (quarter, annualized)

1.19%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.88%+24 bps YoY

Efficiency Ratio (quarter, annualized)

62.05%-532 bps YoY

Tier 1 Leverage Ratio

9.15%+10 bps YoY

NIM

5.14%Q2 ’245.50%Q2 ’255.52%Q2 ’26+12%+6%

Non-interest income vs. expense

2.43%Q2 ’242.52%Q2 ’252.48%Q2 ’26+9%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.60%0.92%0.96%1.08%1.02%1.21%1.19%+23 bps
Return on Equity9.55%6.71%10.46%10.54%11.64%10.62%12.77%12.68%+214 bps
Net Interest Margin3.42%3.44%3.53%3.65%3.75%3.84%3.77%3.88%+24 bps
Efficiency Ratio69.22%75.42%67.33%67.37%64.65%65.22%60.57%62.05%-532 bps
Non-Interest Burden2.28%2.52%2.30%2.38%2.34%2.35%2.20%2.32%-6 bps
Growth
Asset Growth (YoY)1.20%2.29%1.18%1.83%1.60%-2.06%6.46%4.93%+310 bps
Loan Growth (YoY)11.47%11.27%4.15%2.54%2.06%-1.24%2.45%6.14%+360 bps
Deposit Growth (YoY)5.21%0.51%4.80%1.57%3.27%3.71%6.45%4.69%+312 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.03%0.03%0.03%0.03%0.03%0.02%0.02%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.00%0.02%0.00%0.00%-2 bps
Allowance / Loans1.14%1.12%1.16%1.17%1.15%1.17%1.17%1.14%-2 bps
Allowance Coverage of NPLsn/a36.5x37.0x34.6x40.9x45.9x50.8x54.4x+19.8x
Capital
Tier 1 Leverage Ratio9.01%8.83%9.11%9.05%9.25%9.31%9.24%9.15%+10 bps
Total Risk-Based Capital12.77%12.00%12.74%12.87%13.08%13.08%9.24%9.15%-372 bps
Equity / Assets9.27%8.55%9.08%9.05%9.53%9.70%9.31%9.45%+40 bps
Liquidity & Funding
Loans / Deposits90.56%95.52%87.98%86.90%89.49%90.96%84.68%88.11%+121 bps
Liquid Assets / Assets3.42%2.90%2.75%2.89%3.09%3.17%3.44%3.79%+90 bps
CRE / Total Capitaln/an/an/an/a202%193.82%197.06%n/an/a