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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

$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