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Genoa Community Bank

Genoa, NE · Cert 5408

State charter, non-member · FDIC · 1 branch

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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

40

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

Genoa Community Bank

Genoa, NE · Cert 5408

State charter, non-member · FDIC · 1 branch

Q2 2026

$70.5MAssets
$46.1MLoans
$59.7MDeposits
$8.6MEquity
Loan mix
64%RE $15.6M33%C&I $8.2M3%Consumer $0.7MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $52.7M12%Noninterest $7.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.19%, up 22 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.92%, up 9 bps from a year ago.
  • Funding: loans stand at 77.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+20 bps YoY

Efficiency Ratio (YTD, annualized)

63.72%-467 bps YoY

Tier 1 Leverage Ratio

12.92%+9 bps YoY

NIM

6.08%Q2 ’245.90%Q2 ’255.67%Q2 ’26+1%+5%

Non-interest income vs. expense

2.83%Q2 ’242.78%Q2 ’252.74%Q2 ’26-4%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.94%0.83%0.97%1.04%1.07%1.03%1.19%+22 bps
Return on Equity8.57%8.69%7.42%8.73%9.11%9.28%8.76%9.99%+126 bps
Net Interest Margin3.68%3.58%3.52%3.71%3.80%3.83%3.92%3.91%+20 bps
Efficiency Ratio69.98%69.49%71.91%68.39%66.94%66.72%66.58%63.72%-467 bps
Non-Interest Burden2.48%2.40%2.44%2.42%2.43%2.46%2.51%2.35%-8 bps
Growth
Asset Growth (YoY)-2.75%-5.58%1.26%7.58%1.43%-0.14%3.57%-0.78%-836 bps
Loan Growth (YoY)-0.28%-4.38%-0.24%9.73%4.03%4.89%6.00%-7.95%-1,768 bps
Deposit Growth (YoY)-0.57%-5.73%-1.04%8.47%7.91%12.95%8.77%-0.37%-884 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.10%1.03%1.13%1.05%1.10%1.03%1.12%1.23%+19 bps
Allowance Coverage of NPLsn/an/an/a262.0xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.70%12.51%12.41%12.83%12.89%12.76%13.02%12.92%+9 bps
Total Risk-Based Capital16.92%16.06%17.52%16.50%17.30%16.03%17.26%19.16%+266 bps
Equity / Assets11.71%10.78%11.49%11.20%12.22%11.79%11.82%12.23%+103 bps
Liquidity & Funding
Loans / Deposits85.86%97.36%82.74%83.69%82.77%90.41%80.63%77.32%-637 bps
Liquid Assets / Assets0.02%0.01%2.07%2.18%1.48%0.03%2.17%1.34%-84 bps
CRE / Total Capitaln/an/an/an/a95.43%86.72%72.01%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

Genoa Community Bank

Genoa, NE · Cert 5408 · Peer group: banks under $1B in assets in NE (n=83)

State charter, non-member · FDIC · 1 branch

Q2 2026

$70.5MAssets
$46.1MLoans
$59.7MDeposits
$8.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
  • Widest gap: efficiency ratio trails 60% of banks under $1B in assets in NE (rank 51 of 83).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.19%

Rank 43 of 83

Net Interest Margin

3.91%

Rank 24 of 83

Efficiency Ratio

63.72%

Rank 51 of 83

Equity / Assets

12.23%

Rank 32 of 83

Non-interest income vs. expense

$0.3M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 40% of banks under $1B in assets in NE
Bank 63.72%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.19%0.93%1.20%1.51%Beats 48%43 / 83
Return on Equity9.77%8.04%10.34%13.11%Beats 41%49 / 83
Net Interest Margin3.91%3.25%3.62%4.02%Beats 71%24 / 83
Efficiency Ratio63.72%51.13%59.95%67.19%Beats 40%51 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 100%19 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 100%33 / 83
Capital
Tier 1 Capital Ratio18.04%10.94%13.24%16.62%Beats 77%19 / 83
Total Risk-Based Capital Ratio19.16%11.04%13.54%17.63%Beats 81%16 / 83
Equity / Assets12.23%9.90%11.31%13.84%Beats 61%32 / 83
Liquidity & Funding
Loans / Deposits77.32%71.97%83.15%92.22%34th pctl55 / 83
Loans / Assets65.50%57.96%69.15%77.64%39th pctl51 / 83
Brokered Deposits / Depositsn/aNot reported for this institution