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Nebraska State Bank and Trust Company

Broken Bow, NE · Cert 8322 · First Central Nebraska Co.

State charter, non-member · FDIC · 4 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

66

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

32

Q2 2024Q2 2026peer median

Efficiency

66

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 State Bank and Trust Company

Broken Bow, NE · Cert 8322 · First Central Nebraska Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

$285.8MAssets
$222.6MLoans
$233.7MDeposits
$34.9MEquity
Loan mix
80%RE $133.7M16%C&I $26.5M5%Consumer $7.6MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $197.8M15%Noninterest $35.8MQ2 2025Q2 2026

NIM

5.49%Q2 ’245.59%Q2 ’255.50%Q2 ’26+2%+4%

Non-interest income vs. expense

2.35%Q2 ’242.39%Q2 ’252.43%Q2 ’26+6%+2%

Executive Summary

  • Earnings: ROA of 1.53%, up 8 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 12.96%, up 64 bps from a year ago.
  • Funding: loans stand at 95.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+16 bps YoY

Efficiency Ratio (YTD, annualized)

54.89%-126 bps YoY

Tier 1 Leverage Ratio

12.96%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.32%1.40%1.36%1.53%+8 bps
Return on Equity13.59%12.14%12.73%11.48%12.71%-88 bps
Net Interest Margin3.97%3.98%4.03%4.10%4.13%+16 bps
Efficiency Ratio56.15%57.26%56.01%58.34%54.89%-126 bps
Non-Interest Burden2.10%2.15%2.13%2.27%2.14%+4 bps
Growth
Asset Growth (YoY)-1.47%0.52%-4.06%0.39%3.78%+525 bps
Loan Growth (YoY)-1.54%0.99%-5.85%-2.37%0.32%+187 bps
Deposit Growth (YoY)-1.14%1.48%3.62%6.57%3.23%+438 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.00%0.00%0.00%0.00%-12 bps
Net Charge-Offs / Loans0.02%0.39%0.11%-0.05%-0.03%-4 bps
Allowance / Loans1.13%0.96%1.16%1.20%1.20%+7 bps
Allowance Coverage of NPLs9.2x196.4x430.0x264.0x889.3x+880.1x
Capital
Tier 1 Leverage Ratio12.32%12.35%12.69%12.78%12.96%+64 bps
Total Risk-Based Capital12.32%12.35%16.12%16.51%16.60%+428 bps
Equity / Assets11.37%11.47%11.75%12.03%12.22%+86 bps
Liquidity & Funding
Loans / Deposits98.02%97.89%93.96%94.77%95.26%-276 bps
Liquid Assets / Assets0.36%0.35%0.35%0.36%0.35%-1 bps
CRE / Total Capitaln/a136.58%116.38%113.59%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 State Bank and Trust Company

Broken Bow, NE · Cert 8322 · Peer group: banks under $1B in assets in NE (n=83) · First Central Nebraska Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

$285.8MAssets
$222.6MLoans
$233.7MDeposits
$34.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 82% of banks under $1B in assets in NE (rank 15 of 83).
  • Widest gap: net charge-offs / loans trails 63% of banks under $1B in assets in NE (rank 53 of 83).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.52%

Rank 20 of 83

Net Interest Margin

4.13%

Rank 15 of 83

Efficiency Ratio

54.89%

Rank 29 of 83

Equity / Assets

12.22%

Rank 33 of 83

Non-interest income vs. expense

$0.8M$7.0MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 66% of banks under $1B in assets in NE
Bank 54.89%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.93%1.20%1.51%Beats 76%20 / 83
Return on Equity12.40%8.04%10.34%13.11%Beats 69%26 / 83
Net Interest Margin4.13%3.25%3.62%4.02%Beats 82%15 / 83
Efficiency Ratio54.89%51.13%59.95%67.19%Beats 66%29 / 83
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.19%0.96%Beats 77%20 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 37%53 / 83
Capital
Tier 1 Capital Ratio15.49%10.94%13.24%16.62%Beats 69%26 / 83
Total Risk-Based Capital Ratio16.60%11.04%13.54%17.63%Beats 70%25 / 83
Equity / Assets12.22%9.90%11.31%13.84%Beats 60%33 / 83
Liquidity & Funding
Loans / Deposits95.26%71.97%83.15%92.22%83rd pctl14 / 83
Loans / Assets77.90%57.96%69.15%77.64%76th pctl20 / 83
Brokered Deposits / Depositsn/aNot reported for this institution