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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

5.28%Q2 ’245.55%Q2 ’255.51%Q2 ’26+15%+11%

Non-interest income vs. expense

2.31%Q2 ’242.26%Q2 ’252.47%Q2 ’26-4%+13%

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 0.35%, down 67 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.96% of loans (+67 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

0.35%-67 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+36 bps YoY

Efficiency Ratio (quarter, annualized)

62.11%0 bps YoY

Tier 1 Leverage Ratio

10.03%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.15%1.35%1.16%0.35%-67 bps
Return on Equity10.26%11.07%12.88%10.79%3.27%-698 bps
Net Interest Margin3.24%3.70%3.61%3.52%3.60%+36 bps
Efficiency Ratio62.11%55.63%55.30%62.11%62.11%0 bps
Non-Interest Burden1.86%1.88%1.79%2.07%2.10%+23 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 / Loans0.00%0.00%0.02%0.00%0.06%+5 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