Bank of Lindsay

Lindsay, NebraskaFDIC Cert #19087

STATEEstablished 19531 branch

Holding company: LINDSAY STATE CORegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$460K
Investor CRE	$0
Multifamily	$0
Construction	$0
1–4 family	$367K
C&I	$8.92M
Agriculture	$67.3M
Other	$2.17M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$79.2M

+0.7%y/y

Percentile by value22nd percentileby value

FDICLNLSGR

Net loans

$78.4M

+0.7%y/y

Percentile by value23rd percentileby value

FDICLNLSNET

Loans YoY

+0.75%

−88.4%y/y

Percentile by value26th percentileby value

FDICLNLSNET

L/D

105.7%

−12.2%y/y

Percentile by value95th percentileby value

FDICLNLSNET + DEP

Loans/assets

77.7%

−7.2%y/y

Percentile by value83rd percentileby value

FDICLNLSNET + ASSET

RE loans %

35.41%

−1.1%y/y

Percentile by value2nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Percentile by value0th percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,867points

−1.9%y/y

Peer standing15th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.58%

−8.5%y/y

Percentile by value10th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

11.27%

+27.7%y/y

Percentile by value61st percentileby value

FDICLNCI + LNLSGR