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Security Bank

Laurel, NE · Cert 5424 · Employee STK Ownership Plan Accounts Tr Security Bk KSOP&TR

State charter, Fed member · FED · 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

25

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

Security Bank

Laurel, NE · Cert 5424 · Employee STK Ownership Plan Accounts Tr Security Bk KSOP&TR

State charter, Fed member · FED · 5 branches

Q2 2026

$309.9MAssets
$228.1MLoans
$269.7MDeposits
$38.8MEquity
Loan mix
74%RE $105.8M22%C&I $30.8M4%Consumer $5.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $223.4M17%Noninterest $46.3MQ2 2025Q2 2026

NIM

5.69%Q2 ’245.38%Q2 ’255.51%Q2 ’26-3%+6%

Non-interest income vs. expense

3.06%Q2 ’243.09%Q2 ’253.22%Q2 ’26+5%-2%

Executive Summary

  • Earnings: ROA of 1.07%, up 7 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.63% of loans (+63 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 13.28%, up 79 bps from a year ago.
  • Funding: loans stand at 84.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.07%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+22 bps YoY

Efficiency Ratio (YTD, annualized)

64.86%-287 bps YoY

Tier 1 Leverage Ratio

13.28%+79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.01%0.98%0.82%1.07%+7 bps
Return on Equity9.30%9.09%8.82%7.18%9.08%-22 bps
Net Interest Margin3.59%3.62%3.65%3.64%3.80%+22 bps
Efficiency Ratio67.73%67.78%67.93%68.14%64.86%-287 bps
Non-Interest Burden2.26%2.28%2.34%2.25%2.22%-4 bps
Growth
Asset Growth (YoY)4.07%2.93%1.07%-0.20%-2.66%-673 bps
Loan Growth (YoY)4.72%5.70%8.18%9.72%9.06%+434 bps
Deposit Growth (YoY)3.74%2.69%4.72%-1.13%-4.12%-787 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.06%0.00%0.69%0.63%+63 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.28%0.14%+14 bps
Allowance / Loans1.15%1.19%1.15%1.09%1.10%-4 bps
Allowance Coverage of NPLsn/a19.6xn/a1.6x1.7xn/a
Capital
Tier 1 Leverage Ratio12.49%12.74%12.41%12.67%13.28%+79 bps
Total Risk-Based Capital16.79%17.69%16.26%16.25%16.79%-1 bps
Equity / Assets11.15%11.92%11.30%11.67%12.50%+135 bps
Liquidity & Funding
Loans / Deposits74.36%76.45%78.68%82.11%84.58%+1,022 bps
Liquid Assets / Assets12.81%12.20%8.75%9.21%6.94%-587 bps
CRE / Total Capitaln/a45.29%58.34%57.72%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

Security Bank

Laurel, NE · Cert 5424 · Peer group: banks under $1B in assets in NE (n=83) · Employee STK Ownership Plan Accounts Tr Security Bk KSOP&TR

State charter, Fed member · FED · 5 branches

Q2 2026

$309.9MAssets
$228.1MLoans
$269.7MDeposits
$38.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets in NE (rank 23 of 83).
  • Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in NE (rank 72 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.09%

Rank 50 of 83

Net Interest Margin

3.80%

Rank 32 of 83

Efficiency Ratio

67.19%

Rank 63 of 83

Equity / Assets

12.50%

Rank 30 of 83

Non-interest income vs. expense

$3.2M$10.2MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 25% of banks under $1B in assets in NE
Bank 67.19%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.93%1.20%1.51%Beats 40%50 / 83
Return on Equity8.74%8.04%10.34%13.11%Beats 27%61 / 83
Net Interest Margin3.80%3.25%3.62%4.02%Beats 61%32 / 83
Efficiency Ratio67.19%51.13%59.95%67.19%Beats 25%63 / 83
Asset Quality
Nonperforming Loans / Loans0.63%0.00%0.19%0.96%Beats 28%61 / 83
Net Charge-Offs / Loans0.07%n/a0.00%0.02%Beats 14%72 / 83
Capital
Tier 1 Capital Ratio15.81%10.94%13.24%16.62%Beats 70%25 / 83
Total Risk-Based Capital Ratio16.79%11.04%13.54%17.63%Beats 72%23 / 83
Equity / Assets12.50%9.90%11.31%13.84%Beats 64%30 / 83
Liquidity & Funding
Loans / Deposits84.58%71.97%83.15%92.22%52nd pctl40 / 83
Loans / Assets73.61%57.96%69.15%77.64%59th pctl34 / 83
Brokered Deposits / Depositsn/aNot reported for this institution