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I3 Bank

Bennington, NE · Cert 8595 · Bbig Holdings LLC

State charter, Fed member · FED · 5 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 the Omaha, NE-IA area3

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 the Omaha, NE-IA area (n=24). 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

26

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

21

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

I3 Bank

Bennington, NE · Cert 8595 · Bbig Holdings LLC

State charter, Fed member · FED · 5 branches

Q2 2026

$225.5MAssets
$171.1MLoans
$195.8MDeposits
$18.3MEquity
Loan mix
78%RE $137.5M21%C&I $37.2M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $155.1M21%Noninterest $40.6MQ2 2025Q2 2026

NIM

5.48%Q2 ’246.44%Q2 ’256.56%Q2 ’26+27%-2%

Non-interest income vs. expense

3.95%Q2 ’243.71%Q2 ’253.38%Q2 ’26+933%-17%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.4% share · #32 of 77 inst. · $0.2B of $42.7B

0.5% Douglas
3.2% Saunders
0.1% Lancaster

Executive Summary

  • Earnings: ROA of 0.92%, up 39 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.33% of loans (-214 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 8.80%, down 100 bps from a year ago.
  • Funding: loans stand at 87.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.37%-7 bps YoY

Efficiency Ratio (YTD, annualized)

67.61%-900 bps YoY

Tier 1 Leverage Ratio

8.80%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.47%0.60%0.99%0.92%+39 bps
Return on Equity6.45%5.77%7.29%12.19%11.39%+494 bps
Net Interest Margin4.44%4.41%4.31%4.52%4.37%-7 bps
Efficiency Ratio76.61%75.39%73.71%70.07%67.61%-900 bps
Non-Interest Burden3.31%3.21%3.06%3.00%2.75%-56 bps
Growth
Asset Growth (YoY)2.16%8.89%8.29%11.34%10.13%+797 bps
Loan Growth (YoY)6.76%16.16%10.38%18.13%13.04%+628 bps
Deposit Growth (YoY)8.86%3.20%-5.24%6.60%5.00%-387 bps
Asset Quality
Nonperforming Loans / Loans2.47%1.60%1.54%2.08%0.33%-214 bps
Net Charge-Offs / Loans0.93%0.71%0.63%0.16%0.73%-19 bps
Allowance / Loans1.42%1.41%1.40%1.41%1.40%-2 bps
Allowance Coverage of NPLs0.6x0.9x0.9x0.7x4.2x+3.7x
Capital
Tier 1 Leverage Ratio9.80%9.63%9.45%9.11%8.80%-100 bps
Total Risk-Based Capital12.54%11.64%11.80%11.33%11.76%-78 bps
Equity / Assets8.37%8.03%8.29%7.88%8.10%-28 bps
Liquidity & Funding
Loans / Deposits81.19%91.79%99.80%89.77%87.41%+622 bps
Liquid Assets / Assets5.71%1.67%1.21%3.01%3.18%-254 bps
CRE / Total Capitaln/a404%418%461%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

I3 Bank

Bennington, NE · Cert 8595 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Bbig Holdings LLC

State charter, Fed member · FED · 5 branches

Q2 2026

$225.5MAssets
$171.1MLoans
$195.8MDeposits
$18.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks under $1B in assets in the Omaha, NE-IA area (rank 3 of 24).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in the Omaha, NE-IA area (rank 24 of 24).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.91%

Rank 19 of 24

Net Interest Margin

4.37%

Rank 3 of 24

Efficiency Ratio

67.70%

Rank 20 of 24

Equity / Assets

8.10%

Rank 22 of 24

Non-interest income vs. expense

$1.5M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 21% of banks under $1B in assets in the Omaha, NE-IA area
Bank 67.70%Peer median 59.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.92%1.29%1.77%Beats 21%19 / 24
Return on Equity11.26%9.64%12.01%15.30%Beats 33%16 / 24
Net Interest Margin4.37%3.02%3.76%3.98%Beats 88%3 / 24
Efficiency Ratio67.70%49.60%59.31%66.55%Beats 21%20 / 24
Asset Quality
Nonperforming Loans / Loans0.33%0.10%0.37%1.03%Beats 62%10 / 24
Net Charge-Offs / Loans0.41%n/a0.00%0.03%Beats 4%24 / 24
Capital
Tier 1 Capital Ratio10.53%10.53%11.57%13.63%Beats 25%18 / 24
Total Risk-Based Capital Ratio11.76%11.15%12.06%13.90%Beats 46%13 / 24
Equity / Assets8.10%8.87%10.14%12.27%Beats 8%22 / 24
Liquidity & Funding
Loans / Deposits87.41%75.32%83.30%93.06%58th pctl10 / 24
Loans / Assets75.88%65.68%71.67%75.94%71st pctl7 / 24
Brokered Deposits / Depositsn/aNot reported for this institution