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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

5.72%Q2 ’245.24%Q2 ’255.04%Q2 ’26-20%+2%

Non-interest income vs. expense

2.07%Q2 ’242.26%Q2 ’252.59%Q2 ’26+46%-39%

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 0.27%, up 174 bps year over year; NIM at 2.20%.
  • 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 (quarter, annualized)

0.27%+174 bps YoY

Net Interest Margin (quarter, annualized)

2.20%+5 bps YoY

Efficiency Ratio (quarter, annualized)

86.81%-6,818 bps YoY

Tier 1 Leverage Ratio

11.57%+76 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.47%-0.35%-2.39%0.05%0.27%+174 bps
Return on Equity-11.50%-2.69%-18.28%0.35%1.97%+1,347 bps
Net Interest Margin2.15%2.72%2.45%2.35%2.20%+5 bps
Efficiency Ratio154.99%94.57%136.46%96.19%86.81%-6,818 bps
Non-Interest Burden2.92%2.52%3.14%2.21%1.78%-114 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 / Loans-0.01%-0.01%2.68%0.00%0.00%0 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