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Nebraska Bank of Commerce

Lincoln, NE · Cert 58724 · NBC Bancshares LLC

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 operating in a single state3

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 operating in a single state (n=743 to 746). 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

35

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

73

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

Nebraska Bank of Commerce

Lincoln, NE · Cert 58724 · NBC Bancshares LLC

State charter, non-member · FDIC · 2 branches

Q2 2026

$241.2MAssets
$215.3MLoans
$204.9MDeposits
$23.2MEquity
Loan mix
90%RE $191.9M9%C&I $19.8M1%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $187.0M9%Noninterest $17.9MQ3 2024Q2 2026

Market Position · Lincoln, NE · 2026 SOD (annual) · 1.3% share · #16 of 33 inst. · $0.2B of $16.1B

Executive Summary

  • Earnings: ROA of 1.08%, up 32 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.33% of loans (+29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.56%, down 73 bps from a year ago.
  • Funding: loans stand at 105.07% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+32 bps YoY

Efficiency Ratio (YTD, annualized)

56.30%-889 bps YoY

Tier 1 Leverage Ratio

9.56%-73 bps YoY

NIM

5.79%Q2 ’245.89%Q2 ’256.19%Q2 ’26+13%+11%

Non-interest income vs. expense

2.08%Q2 ’242.05%Q2 ’251.98%Q2 ’26-1%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.57%0.74%0.76%0.76%0.76%0.83%1.08%+32 bps
Return on Equity5.32%5.44%7.12%7.31%7.46%7.52%8.70%11.25%+394 bps
Net Interest Margin2.59%2.56%2.97%3.00%2.95%2.93%3.10%3.32%+32 bps
Efficiency Ratio73.38%72.33%66.01%65.19%63.17%64.13%60.71%56.30%-889 bps
Non-Interest Burden1.85%1.80%1.93%1.91%1.81%1.83%1.83%1.78%-13 bps
Growth
Asset Growth (YoY)6.36%5.52%8.00%9.74%15.46%16.02%18.52%17.26%+752 bps
Loan Growth (YoY)4.35%6.49%8.39%11.26%18.21%16.51%21.60%17.60%+634 bps
Deposit Growth (YoY)13.85%13.45%6.42%12.30%12.03%15.08%16.88%13.10%+80 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.06%0.20%0.05%0.04%0.19%0.20%0.33%+29 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.24%1.25%1.25%1.25%1.25%1.26%1.25%1.25%0 bps
Allowance Coverage of NPLs5.0x22.4x6.2x26.8x34.2x6.8x6.1x3.7x-23.1x
Capital
Tier 1 Leverage Ratio10.48%10.32%10.33%10.28%9.95%9.67%9.51%9.56%-73 bps
Total Risk-Based Capital13.88%13.91%13.97%13.86%13.31%13.07%12.76%13.12%-75 bps
Equity / Assets10.54%10.51%10.32%10.29%9.77%9.73%9.40%9.62%-67 bps
Liquidity & Funding
Loans / Deposits101.20%103.42%103.04%101.05%106.79%104.70%107.21%105.07%+402 bps
Liquid Assets / Assets6.51%5.00%6.75%5.64%5.88%5.57%6.50%7.08%+144 bps
CRE / Total Capitaln/an/an/an/a507%487%512%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

Nebraska Bank of Commerce

Lincoln, NE · Cert 58724 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · NBC Bancshares LLC

State charter, non-member · FDIC · 2 branches

Q2 2026

$241.2MAssets
$215.3MLoans
$204.9MDeposits
$23.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: tier 1 capital ratio trails 70% of banks under $1B in assets operating in a single state (rank 522 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 380 of 746

Net Interest Margin

3.32%

Rank 519 of 746

Efficiency Ratio

56.30%

Rank 199 of 746

Equity / Assets

9.62%

Rank 475 of 746

Non-interest income vs. expense

$0.5M$4.8MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state
Bank 56.30%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.72%1.06%1.45%Beats 49%380 / 746
Return on Equity10.93%6.74%10.51%13.63%Beats 54%345 / 746
Net Interest Margin3.32%3.17%3.68%4.16%Beats 30%519 / 746
Efficiency Ratio56.30%55.74%64.58%75.47%Beats 73%199 / 746
Asset Quality
Nonperforming Loans / Loans0.33%0.09%0.42%1.07%Beats 57%319 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.86%11.55%13.75%17.60%Beats 30%522 / 746
Total Risk-Based Capital Ratio13.12%11.71%14.33%18.43%Beats 38%459 / 746
Equity / Assets9.62%8.90%10.51%13.06%Beats 36%475 / 746
Liquidity & Funding
Loans / Deposits105.07%61.31%78.27%90.78%94th pctl44 / 746
Loans / Assets89.25%53.60%66.97%76.08%99th pctl11 / 746
Brokered Deposits / Depositsn/aNot reported for this institution