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Nebraska State Bank

Oshkosh, NE · Cert 9819 · O&F Cattle Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$74.1MAssets
$55.5MLoans
$61.0MDeposits
$12.3MEquity
Loan mix
98%RE $36.3M2%C&I $0.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $48.4M21%Noninterest $12.5MQ2 2025Q2 2026

NIM

7.54%Q2 ’247.22%Q2 ’257.04%Q2 ’26-8%-2%

Non-interest income vs. expense

2.49%Q2 ’242.35%Q2 ’252.15%Q2 ’26-39%-15%

Executive Summary

  • Earnings: ROA of 3.64%, up 52 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 1.40% of loans (-37 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.08%, up 36 bps from a year ago.
  • Funding: loans stand at 91.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

3.64%+52 bps YoY

Net Interest Margin (quarter, annualized)

5.14%-9 bps YoY

Efficiency Ratio (quarter, annualized)

31.12%-187 bps YoY

Tier 1 Leverage Ratio

18.08%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.12%2.58%3.27%3.20%3.64%+52 bps
Return on Equity18.91%14.67%18.09%19.02%22.62%+371 bps
Net Interest Margin5.23%4.19%4.85%4.68%5.14%-9 bps
Efficiency Ratio32.99%42.77%35.07%35.78%31.12%-187 bps
Non-Interest Burden0.46%0.82%0.62%0.37%0.39%-7 bps
Growth
Asset Growth (YoY)5.44%3.14%1.98%5.51%8.91%+347 bps
Loan Growth (YoY)3.37%2.49%-7.43%-0.91%-2.10%-547 bps
Deposit Growth (YoY)5.13%2.73%1.46%5.90%9.57%+444 bps
Asset Quality
Nonperforming Loans / Loans1.77%0.72%0.00%0.15%1.40%-37 bps
Net Charge-Offs / Loans0.03%-0.01%0.00%0.00%0.00%-3 bps
Allowance / Loans0.92%0.94%1.00%1.00%0.96%+4 bps
Allowance Coverage of NPLs0.5x1.3xn/a6.7x0.7x+0.2x
Capital
Tier 1 Leverage Ratio17.72%18.51%18.97%16.84%18.08%+36 bps
Total Risk-Based Capital17.72%18.51%18.97%16.84%18.08%+36 bps
Equity / Assets17.16%18.04%18.15%15.51%16.64%-51 bps
Liquidity & Funding
Loans / Deposits101.95%102.10%90.94%86.63%91.08%-1,086 bps
Liquid Assets / Assets6.31%6.00%5.71%12.51%13.57%+725 bps
CRE / Total Capitaln/a9.48%8.82%9.81%n/an/a