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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

$285.8MAssets
$222.6MLoans
$233.7MDeposits
$34.9MEquity
Loan mix
80%RE $133.7M16%C&I $26.5M5%Consumer $7.6MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $197.8M15%Noninterest $35.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.70%, up 15 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • 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.

Return on Assets (quarter, annualized)

1.70%+15 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+18 bps YoY

Efficiency Ratio (quarter, annualized)

51.55%-320 bps YoY

Tier 1 Leverage Ratio

12.96%+64 bps YoY

NIM

5.61%Q2 ’245.59%Q2 ’255.58%Q2 ’26+2%+4%

Non-interest income vs. expense

2.26%Q2 ’242.36%Q2 ’252.32%Q2 ’26+10%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.35%1.36%1.55%1.07%1.66%1.36%1.70%+15 bps
Return on Equity11.89%13.24%13.23%13.96%9.38%14.26%11.48%14.00%+4 bps
Net Interest Margin3.81%3.73%3.87%4.02%4.05%4.13%4.10%4.20%+18 bps
Efficiency Ratio60.23%54.72%57.57%54.75%59.43%52.37%58.34%51.55%-320 bps
Non-Interest Burden2.17%1.92%2.11%2.07%2.28%2.03%2.27%2.02%-5 bps
Growth
Asset Growth (YoY)3.18%5.74%2.79%-1.47%0.52%-4.06%0.39%3.78%+525 bps
Loan Growth (YoY)4.87%8.00%4.86%-1.54%0.99%-5.85%-2.37%0.32%+187 bps
Deposit Growth (YoY)0.34%-0.80%0.48%-1.14%1.48%3.62%6.57%3.23%+438 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.01%0.12%0.00%0.00%0.00%0.00%-12 bps
Net Charge-Offs / Loans0.04%-0.63%0.01%0.02%1.13%-0.76%-0.05%0.00%-2 bps
Allowance / Loans0.94%1.07%1.11%1.13%0.96%1.16%1.20%1.20%+7 bps
Allowance Coverage of NPLs58.4x78.6x147.6x9.2x196.4x430.0x264.0x889.3x+880.1x
Capital
Tier 1 Leverage Ratio11.86%11.73%11.92%12.32%12.35%12.69%12.78%12.96%+64 bps
Total Risk-Based Capital11.86%11.73%11.92%12.32%12.35%16.12%16.51%16.60%+428 bps
Equity / Assets10.66%9.82%10.82%11.37%11.47%11.75%12.03%12.22%+86 bps
Liquidity & Funding
Loans / Deposits98.37%103.41%103.45%98.02%97.89%93.96%94.77%95.26%-276 bps
Liquid Assets / Assets0.71%0.67%0.36%0.36%0.35%0.35%0.36%0.35%-1 bps
CRE / Total Capitaln/an/an/an/a136.58%116.38%113.59%n/an/a