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State Nebraska Bank &Trust

Wayne, NE · Cert 5490 · State National Bancshares 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

80

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

State Nebraska Bank &Trust

Wayne, NE · Cert 5490 · State National Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$244.0MAssets
$164.0MLoans
$203.8MDeposits
$24.2MEquity
Loan mix
75%RE $106.2M21%C&I $29.7M4%Consumer $6.3MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $180.3M12%Noninterest $23.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.20%, up 45 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 1.61% of loans (+29 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 10.89%, up 95 bps from a year ago.
  • Funding: loans stand at 80.45% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.20%+45 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+72 bps YoY

Efficiency Ratio (YTD, annualized)

50.00%-1,078 bps YoY

Tier 1 Leverage Ratio

10.89%+95 bps YoY

NIM

4.90%Q2 ’244.96%Q2 ’255.24%Q2 ’26+15%+28%

Non-interest income vs. expense

1.93%Q2 ’241.79%Q2 ’251.84%Q2 ’26-10%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.57%0.57%0.75%0.85%0.83%1.28%1.20%+45 bps
Return on Equity7.02%7.71%7.21%9.33%10.32%9.85%13.75%12.62%+330 bps
Net Interest Margin2.31%2.34%2.39%2.56%2.61%2.71%3.21%3.27%+72 bps
Efficiency Ratio68.45%66.20%65.73%60.78%57.88%57.45%49.78%50.00%-1,078 bps
Non-Interest Burden1.45%1.41%1.44%1.40%1.35%1.39%1.40%1.43%+3 bps
Growth
Asset Growth (YoY)9.98%3.51%-2.47%3.08%2.89%0.62%0.18%-3.43%-652 bps
Loan Growth (YoY)20.58%10.54%11.93%13.15%9.71%8.07%8.38%-0.91%-1,406 bps
Deposit Growth (YoY)8.80%2.95%-6.63%-0.85%-1.73%0.82%-1.10%0.94%+179 bps
Asset Quality
Nonperforming Loans / Loans1.86%1.39%1.56%1.32%1.27%1.31%1.28%1.61%+29 bps
Net Charge-Offs / Loans0.23%0.31%0.28%0.35%0.28%0.36%0.06%0.06%-29 bps
Allowance / Loans1.37%1.34%1.35%1.26%1.31%1.33%1.38%1.60%+34 bps
Allowance Coverage of NPLs0.7x1.0x0.9x1.0x1.0x1.0x1.1x1.0x0.0x
Capital
Tier 1 Leverage Ratio9.84%9.90%10.05%9.94%9.97%10.20%10.53%10.89%+95 bps
Total Risk-Based Capital14.26%14.37%14.36%14.27%14.55%14.88%15.10%15.95%+167 bps
Equity / Assets8.01%7.65%8.06%8.32%8.79%9.18%9.39%9.90%+158 bps
Liquidity & Funding
Loans / Deposits72.63%76.52%77.27%81.95%81.09%82.02%84.68%80.45%-150 bps
Liquid Assets / Assets0.66%0.19%0.19%0.19%0.19%0.20%0.20%1.19%+100 bps
CRE / Total Capitaln/an/an/an/a156.88%156.66%165.40%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

State Nebraska Bank &Trust

Wayne, NE · Cert 5490 · Peer group: banks under $1B in assets in NE (n=83) · State National Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$244.0MAssets
$164.0MLoans
$203.8MDeposits
$24.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets in NE (rank 18 of 83).
  • Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets in NE (rank 71 of 83).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.22%

Rank 40 of 83

Net Interest Margin

3.27%

Rank 61 of 83

Efficiency Ratio

50.00%

Rank 18 of 83

Equity / Assets

9.90%

Rank 63 of 83

Non-interest income vs. expense

$1.0M$4.6MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 80% of banks under $1B in assets in NE
Bank 50.00%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%0.93%1.20%1.51%Beats 52%40 / 83
Return on Equity12.28%8.04%10.34%13.11%Beats 67%27 / 83
Net Interest Margin3.27%3.25%3.62%4.02%Beats 27%61 / 83
Efficiency Ratio50.00%51.13%59.95%67.19%Beats 80%18 / 83
Asset Quality
Nonperforming Loans / Loans1.61%0.00%0.19%0.96%Beats 16%71 / 83
Net Charge-Offs / Loans0.04%n/a0.00%0.02%Beats 19%68 / 83
Capital
Tier 1 Capital Ratio14.69%10.94%13.24%16.62%Beats 60%33 / 83
Total Risk-Based Capital Ratio15.95%11.04%13.54%17.63%Beats 67%27 / 83
Equity / Assets9.90%9.90%11.31%13.84%Beats 24%63 / 83
Liquidity & Funding
Loans / Deposits80.45%71.97%83.15%92.22%43rd pctl47 / 83
Loans / Assets67.20%57.96%69.15%77.64%42nd pctl48 / 83
Brokered Deposits / Depositsn/aNot reported for this institution