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Legends West Bank

Lewellen, NE · Cert 5425 · 1905 Nekota Bankcorp Inc.

State charter, non-member · FDIC · 2 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

37

Q2 2024Q2 2026peer median

Efficiency

36

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

Legends West Bank

Lewellen, NE · Cert 5425 · 1905 Nekota Bankcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$157.8MAssets
$129.2MLoans
$136.7MDeposits
$18.2MEquity
Loan mix
83%RE $97.9M14%C&I $17.1M2%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $127.3M7%Noninterest $9.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.60%, up 76 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.35% of loans (-396 bps YoY), with net charge-offs at 1.45%.
  • Capital: tier 1 leverage ratio of 11.47%, down 244 bps from a year ago.
  • Funding: loans stand at 94.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.60%+76 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-12 bps YoY

Efficiency Ratio (YTD, annualized)

63.84%-918 bps YoY

Tier 1 Leverage Ratio

11.47%-244 bps YoY

NIM

6.99%Q2 ’246.47%Q2 ’256.57%Q2 ’26-30%-3%

Non-interest income vs. expense

3.91%Q2 ’242.75%Q2 ’252.56%Q2 ’26-29%-21%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%-0.15%-0.41%-0.16%0.14%0.40%0.57%0.60%+76 bps
Return on Equity2.23%-0.61%-2.45%-1.06%0.97%2.98%5.05%5.26%+632 bps
Net Interest Margin4.44%3.64%3.52%3.62%3.36%3.26%3.45%3.50%-12 bps
Efficiency Ratio68.15%76.28%89.54%73.01%68.86%63.32%66.29%63.84%-918 bps
Non-Interest Burden3.07%2.82%3.20%2.68%2.34%2.09%2.30%2.11%-57 bps
Growth
Asset Growth (YoY)126.07%113.33%84.36%81.20%68.51%87.15%74.22%49.46%-3,175 bps
Loan Growth (YoY)308%142.20%115.50%86.56%76.78%84.49%68.29%39.72%-4,684 bps
Deposit Growth (YoY)224%185.81%121.62%108.82%85.85%102.84%83.11%50.36%-5,846 bps
Asset Quality
Nonperforming Loans / Loans0.00%2.95%5.47%4.31%3.21%2.80%2.10%0.35%-396 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.01%-0.01%0.00%0.00%0.00%1.45%+145 bps
Allowance / Loans1.07%1.46%1.45%1.60%1.57%1.58%1.60%1.11%-49 bps
Allowance Coverage of NPLsn/a0.5x0.3x0.4x0.5x0.6x0.8x3.2x+2.8x
Capital
Tier 1 Leverage Ratio21.47%17.43%15.87%13.92%11.96%12.04%11.42%11.47%-244 bps
Total Risk-Based Capital21.47%17.43%15.87%13.92%11.96%12.04%11.42%11.47%-244 bps
Equity / Assets19.58%17.91%16.01%13.42%11.48%10.87%11.61%11.53%-189 bps
Liquidity & Funding
Loans / Deposits103.04%99.91%102.45%101.71%98.01%90.87%94.16%94.51%-720 bps
Liquid Assets / Assets0.73%0.37%0.28%0.28%0.20%0.16%0.16%2.87%+259 bps
CRE / Total Capitaln/an/an/an/a387%366%374%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

Legends West Bank

Lewellen, NE · Cert 5425 · Peer group: banks under $1B in assets in NE (n=83) · 1905 Nekota Bankcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$157.8MAssets
$129.2MLoans
$136.7MDeposits
$18.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 51% of banks under $1B in assets in NE (rank 41 of 83).
  • Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in NE (rank 83 of 83).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.58%

Rank 75 of 83

Net Interest Margin

3.50%

Rank 49 of 83

Efficiency Ratio

64.95%

Rank 54 of 83

Equity / Assets

11.53%

Rank 41 of 83

Non-interest income vs. expense

$0.7M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 36% of banks under $1B in assets in NE
Bank 64.95%Peer median 60.0%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.58%0.93%1.20%1.51%Beats 10%75 / 83
Return on Equity5.03%8.04%10.34%13.11%Beats 10%75 / 83
Net Interest Margin3.50%3.25%3.62%4.02%Beats 41%49 / 83
Efficiency Ratio64.95%51.13%59.95%67.19%Beats 36%54 / 83
Asset Quality
Nonperforming Loans / Loans0.35%0.00%0.19%0.96%Beats 37%53 / 83
Net Charge-Offs / Loans0.72%n/a0.00%0.02%Beats 1%83 / 83
Capital
Tier 1 Capital Ratio11.47%10.94%13.24%16.62%Beats 35%54 / 83
Total Risk-Based Capital Ratio11.47%11.04%13.54%17.63%Beats 30%58 / 83
Equity / Assets11.53%9.90%11.31%13.84%Beats 51%41 / 83
Liquidity & Funding
Loans / Deposits94.51%71.97%83.15%92.22%80th pctl17 / 83
Loans / Assets81.89%57.96%69.15%77.64%87th pctl11 / 83
Brokered Deposits / Depositsn/aNot reported for this institution