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First State Bank

Hordville, NE · Cert 8604 · Firstand Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$46.8MAssets
$30.3MLoans
$39.8MDeposits
$5.6MEquity
Loan mix
87%RE $18.0M11%C&I $2.2M2%Consumer $0.4MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $33.2M17%Noninterest $6.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.41%, down 22 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.20%, up 93 bps from a year ago.
  • Funding: loans stand at 76.06% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.41%-22 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+7 bps YoY

Efficiency Ratio (YTD, annualized)

83.62%+912 bps YoY

Tier 1 Leverage Ratio

12.20%+93 bps YoY

NIM

4.63%Q2 ’244.79%Q2 ’254.77%Q2 ’26+4%+2%

Non-interest income vs. expense

2.34%Q2 ’242.36%Q2 ’252.78%Q2 ’26+1%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.50%0.59%0.63%0.65%0.50%0.41%0.41%-22 bps
Return on Equity5.42%4.45%5.25%5.63%5.60%4.22%3.28%3.36%-227 bps
Net Interest Margin3.05%3.06%3.06%3.11%3.28%3.47%3.19%3.18%+7 bps
Efficiency Ratio74.37%79.01%75.77%74.50%74.56%80.59%83.51%83.62%+912 bps
Non-Interest Burden2.26%2.41%2.31%2.30%2.43%2.79%2.65%2.64%+33 bps
Growth
Asset Growth (YoY)1.54%0.75%6.54%0.85%-6.19%-7.91%-10.68%-4.82%-566 bps
Loan Growth (YoY)0.00%-3.90%7.84%5.94%4.81%-0.85%-7.26%-4.25%-1,019 bps
Deposit Growth (YoY)2.81%3.73%5.29%-1.05%-8.20%-9.32%-12.48%-4.78%-372 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.96%2.05%1.95%1.91%1.88%2.07%2.10%2.00%+9 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.79%11.74%11.20%11.27%11.95%12.64%12.29%12.20%+93 bps
Total Risk-Based Capital11.79%11.74%11.20%11.27%11.95%12.64%12.29%12.20%+93 bps
Equity / Assets11.57%11.63%10.70%11.31%12.67%13.01%12.15%11.92%+61 bps
Liquidity & Funding
Loans / Deposits76.22%72.67%70.38%75.64%87.02%79.45%74.58%76.06%+42 bps
Liquid Assets / Assets18.87%18.22%21.38%19.66%12.87%18.13%25.19%24.43%+477 bps
CRE / Total Capitaln/an/an/an/a33.31%33.11%30.03%n/an/a