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City Bank & Trust Co.

Lincoln, NE · Cert 5396 · TCM Co.

State charter, non-member · FDIC · 5 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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 2026-10-10

City Bank & Trust Co.

Lincoln, NE · Cert 5396 · TCM Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$323.2MAssets
$295.0MLoans
$288.4MDeposits
$34.0MEquity
Loan mix
85%RE $249.8M12%C&I $36.4M3%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $215.3M25%Noninterest $73.0MQ2 2025Q2 2026

NIM

5.17%Q2 ’245.41%Q2 ’255.52%Q2 ’26+3%+16%

Non-interest income vs. expense

2.30%Q2 ’242.20%Q2 ’252.41%Q2 ’26+14%+10%

Market Position · Lincoln, NE · 2026 SOD (annual) · 1.2% share · #17 of 33 inst. · $0.2B of $16.1B

1.3% Lancaster
16.5% Saline

Executive Summary

  • Earnings: ROA of 0.76%, up 10 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.96% of loans (+67 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.03%, up 26 bps from a year ago.
  • Funding: loans stand at 102.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+50 bps YoY

Efficiency Ratio (YTD, annualized)

62.11%-343 bps YoY

Tier 1 Leverage Ratio

10.03%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.81%0.95%1.16%0.76%+10 bps
Return on Equity6.55%8.07%9.32%10.79%7.10%+55 bps
Net Interest Margin3.05%3.34%3.36%3.52%3.55%+50 bps
Efficiency Ratio65.54%61.88%60.09%62.11%62.11%-343 bps
Non-Interest Burden1.89%1.94%1.87%2.07%2.08%+18 bps
Growth
Asset Growth (YoY)5.69%1.05%1.88%-1.57%-0.14%-583 bps
Loan Growth (YoY)7.11%6.91%3.33%2.22%-0.08%-719 bps
Deposit Growth (YoY)4.79%-4.40%-2.05%-2.85%2.44%-235 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.32%0.60%0.81%0.96%+67 bps
Net Charge-Offs / Loans0.39%0.26%0.19%0.00%0.03%-36 bps
Allowance / Loans1.00%1.11%1.10%1.11%1.42%+43 bps
Allowance Coverage of NPLs3.5x3.4x1.8x1.4x1.5x-2.0x
Capital
Tier 1 Leverage Ratio9.77%10.36%10.55%10.63%10.03%+26 bps
Total Risk-Based Capital9.77%10.36%10.55%10.63%10.03%+26 bps
Equity / Assets10.25%10.47%10.52%10.91%10.52%+27 bps
Liquidity & Funding
Loans / Deposits104.86%106.77%105.25%102.98%102.29%-257 bps
Liquid Assets / Assets1.68%1.72%1.74%1.66%1.50%-18 bps
CRE / Total Capitaln/a498%506%497%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 2026-10-10

City Bank & Trust Co.

Lincoln, NE · Cert 5396 · Peer group: banks under $1B in assets in NE (n=83) · TCM Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$323.2MAssets
$295.0MLoans
$288.4MDeposits
$34.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 45% of banks under $1B in assets in NE (rank 46 of 83).
  • Widest gap: return on assets trails 88% of banks under $1B in assets in NE (rank 73 of 83).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.77%

Rank 73 of 83

Net Interest Margin

3.55%

Rank 46 of 83

Efficiency Ratio

62.11%

Rank 47 of 83

Equity / Assets

10.52%

Rank 51 of 83

Non-interest income vs. expense

$1.1M$8.2MINCOMEEXPENSE
Unfavorable gap of $7.1M · efficiency ratio beats 45% of banks under $1B in assets in NE
Bank 62.11%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.77%0.93%1.20%1.51%Beats 12%73 / 83
Return on Equity7.31%8.04%10.34%13.11%Beats 14%71 / 83
Net Interest Margin3.55%3.25%3.62%4.02%Beats 45%46 / 83
Efficiency Ratio62.11%51.13%59.95%67.19%Beats 45%47 / 83
Asset Quality
Nonperforming Loans / Loans0.96%0.00%0.19%0.96%Beats 25%63 / 83
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 27%62 / 83
Capital
Tier 1 Capital Ratio10.03%10.94%13.24%16.62%Beats 13%72 / 83
Total Risk-Based Capital Ratio10.03%11.04%13.54%17.63%Beats 13%72 / 83
Equity / Assets10.52%9.90%11.31%13.84%Beats 39%51 / 83
Liquidity & Funding
Loans / Deposits102.29%71.97%83.15%92.22%92nd pctl7 / 83
Loans / Assets91.25%57.96%69.15%77.64%99th pctl1 / 83
Brokered Deposits / Depositsn/aNot reported for this institution