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Letter portraitLegal landscapeQuarterYTD

First Northeast Bank of Nebraska

Lyons, NE · Cert 5432 · Farm&Home Insurance Agency Inc.

State charter, Fed member · FED · 8 branches

Q2 2026

$472.6MAssets
$180.2MLoans
$361.0MDeposits
$65.4MEquity
Loan mix
88%RE $126.0M10%C&I $13.6M2%Consumer $3.6MQ3 2024Q2 2026
Deposit mix
82%Interest-bearing $294.6M18%Noninterest $66.5MQ3 2024Q2 2026

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #61 of 77 inst. · $0.0B of $42.7B

69.0% Burt
6.1% Dodge
4.8% Saunders
0.1% Cedar

Executive Summary

  • Earnings: ROA of 1.32%, down 2 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.22% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.51%, up 63 bps from a year ago.
  • Funding: loans stand at 49.90% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.32%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-6 bps YoY

Efficiency Ratio (YTD, annualized)

48.38%+216 bps YoY

Tier 1 Leverage Ratio

13.51%+63 bps YoY

NIM

5.34%Q2 ’245.23%Q2 ’254.91%Q2 ’26-1%-2%

Non-interest income vs. expense

1.52%Q2 ’241.41%Q2 ’251.44%Q2 ’26-7%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.56%1.27%1.34%1.44%1.44%1.26%1.32%-2 bps
Return on Equity12.89%12.95%10.09%10.75%11.46%11.30%9.70%9.96%-79 bps
Net Interest Margin3.02%3.01%2.85%2.93%2.94%2.93%2.83%2.87%-6 bps
Efficiency Ratio46.60%46.64%47.33%46.22%45.70%45.64%49.12%48.38%+216 bps
Non-Interest Burden1.34%1.33%1.28%1.29%1.28%1.27%1.33%1.33%+4 bps
Growth
Asset Growth (YoY)10.28%5.77%6.10%5.11%5.12%3.29%4.58%-3.03%-814 bps
Loan Growth (YoY)10.29%2.96%-4.18%-7.77%-6.63%-5.30%-4.96%-4.97%+280 bps
Deposit Growth (YoY)8.64%9.10%4.82%4.71%3.64%-5.39%-2.06%-4.27%-898 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.21%0.23%0.24%0.23%0.21%0.23%0.22%-1 bps
Net Charge-Offs / Loans0.02%0.02%-0.06%-0.03%-0.02%-0.01%0.00%0.00%+3 bps
Allowance / Loans1.64%1.63%1.75%1.81%1.77%1.73%1.84%1.90%+9 bps
Allowance Coverage of NPLs7.5x7.6x7.6x7.7x7.7x8.1x8.2x8.5x+0.9x
Capital
Tier 1 Leverage Ratio12.74%13.00%12.56%12.88%13.11%13.40%13.20%13.51%+63 bps
Total Risk-Based Capital12.74%13.00%12.56%12.88%13.11%13.40%13.20%13.51%+63 bps
Equity / Assets12.36%12.83%12.25%12.35%12.78%13.38%12.67%13.84%+149 bps
Liquidity & Funding
Loans / Deposits57.73%59.18%52.66%50.26%52.01%59.24%51.10%49.90%-37 bps
Liquid Assets / Assets0.32%0.32%0.26%0.16%0.15%0.16%0.15%0.16%0 bps
CRE / Total Capitaln/an/an/an/a70.55%77.47%69.64%n/an/a