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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

5.55%Q2 ’246.47%Q2 ’256.79%Q2 ’26+27%+2%

Non-interest income vs. expense

3.99%Q2 ’243.70%Q2 ’253.36%Q2 ’26+0%-18%

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 0.85%, up 24 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.33% of loans (-214 bps YoY), with net charge-offs at 1.30%.
  • 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 (quarter, annualized)

0.85%+24 bps YoY

Net Interest Margin (quarter, annualized)

4.42%+7 bps YoY

Efficiency Ratio (quarter, annualized)

65.28%-1,136 bps YoY

Tier 1 Leverage Ratio

8.80%-100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.36%0.96%0.99%0.85%+24 bps
Return on Equity7.35%4.44%11.72%12.19%10.67%+332 bps
Net Interest Margin4.35%4.45%4.62%4.52%4.42%+7 bps
Efficiency Ratio76.64%73.03%69.28%70.07%65.28%-1,136 bps
Non-Interest Burden3.22%3.11%3.01%3.00%2.64%-59 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 / Loans0.72%0.47%0.41%0.16%1.30%+58 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