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Letter portraitLegal landscapeQuarterYTD

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 $5.9MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $223.4M17%Noninterest $46.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.06%1.02%1.00%1.01%0.98%0.82%1.07%+7 bps
Return on Equity10.33%9.93%9.66%9.30%9.09%8.82%7.18%9.08%-22 bps
Net Interest Margin3.67%3.63%3.60%3.59%3.62%3.65%3.64%3.80%+22 bps
Efficiency Ratio64.70%65.76%66.09%67.73%67.78%67.93%68.14%64.86%-287 bps
Non-Interest Burden2.14%2.18%2.17%2.26%2.28%2.34%2.25%2.22%-4 bps
Growth
Asset Growth (YoY)8.07%7.70%2.54%4.07%2.93%1.07%-0.20%-2.66%-673 bps
Loan Growth (YoY)6.35%9.41%9.00%4.72%5.70%8.18%9.72%9.06%+434 bps
Deposit Growth (YoY)6.32%2.82%3.80%3.74%2.69%4.72%-1.13%-4.12%-787 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.06%0.00%0.06%0.00%0.69%0.63%+63 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.00%0.00%0.28%0.14%+14 bps
Allowance / Loans1.14%1.09%1.12%1.15%1.19%1.15%1.09%1.10%-4 bps
Allowance Coverage of NPLs70.0x35.2x17.8xn/a19.6xn/a1.6x1.7xn/a
Capital
Tier 1 Leverage Ratio12.87%12.43%12.53%12.49%12.74%12.41%12.67%13.28%+79 bps
Total Risk-Based Capital16.94%15.68%16.36%16.79%17.69%16.26%16.25%16.79%-1 bps
Equity / Assets11.60%10.37%10.84%11.15%11.92%11.30%11.67%12.50%+135 bps
Liquidity & Funding
Loans / Deposits74.27%76.16%73.99%74.36%76.45%78.68%82.11%84.58%+1,022 bps
Liquid Assets / Assets9.85%7.50%12.61%12.81%12.20%8.75%9.21%6.94%-587 bps
CRE / Total Capitaln/an/an/an/a45.29%58.34%57.72%n/an/a