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United Republic Bank

Omaha, NE · Cert 58359 · Central Bancshares Inc.

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)

Q2 2026

$185.8MAssets
$137.1MLoans
$147.4MDeposits
$25.6MEquity
Loan mix
89%RE $126.2M10%C&I $14.5M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $134.9M8%Noninterest $12.5MQ2 2025Q2 2026

NIM

5.75%Q2 ’245.34%Q2 ’255.18%Q2 ’26-26%+13%

Non-interest income vs. expense

2.15%Q2 ’242.21%Q2 ’252.67%Q2 ’26+24%-18%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.3% share · #36 of 77 inst. · $0.1B of $42.7B

0.4% Douglas
0.2% Sarpy

Executive Summary

  • Earnings: ROA of 0.15%, up 155 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 4.89% of loans (+165 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.57%, up 76 bps from a year ago.
  • Funding: loans stand at 93.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%+155 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+26 bps YoY

Efficiency Ratio (YTD, annualized)

91.39%-3,336 bps YoY

Tier 1 Leverage Ratio

11.57%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.40%-1.06%-1.38%0.05%0.15%+155 bps
Return on Equity-10.78%-8.11%-10.60%0.35%1.16%+1,193 bps
Net Interest Margin2.05%2.32%2.40%2.35%2.31%+26 bps
Efficiency Ratio124.75%111.27%117.02%96.19%91.39%-3,336 bps
Non-Interest Burden2.46%2.54%2.74%2.21%2.03%-43 bps
Growth
Asset Growth (YoY)-1.00%-4.28%-5.83%-10.61%-10.61%-962 bps
Loan Growth (YoY)-8.30%-6.31%-6.59%-9.36%-10.74%-245 bps
Deposit Growth (YoY)-0.79%-3.35%-5.91%-10.28%-12.11%-1,132 bps
Asset Quality
Nonperforming Loans / Loans3.24%5.43%2.48%2.58%4.89%+165 bps
Net Charge-Offs / Loans1.58%1.07%1.48%0.00%0.00%-158 bps
Allowance / Loans1.61%1.86%1.94%2.07%2.16%+55 bps
Allowance Coverage of NPLs0.5x0.3x0.8x0.8x0.4x-0.1x
Capital
Tier 1 Leverage Ratio10.80%11.10%10.81%11.17%11.57%+76 bps
Total Risk-Based Capital10.80%11.10%10.81%11.17%11.57%+76 bps
Equity / Assets12.84%13.22%12.94%13.26%13.80%+96 bps
Liquidity & Funding
Loans / Deposits91.63%93.62%95.50%92.51%93.06%+143 bps
Liquid Assets / Assets1.35%1.69%0.31%1.57%1.94%+59 bps
CRE / Total Capitaln/a504%531%504%n/an/a