Nebraska State Bank

Lynch, NebraskaFDIC Cert #16516

STATEEstablished 19461 branch

Holding company: Not reportedRegulator: 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	$0
Investor CRE	$275K
Multifamily	$0
Construction	$0
1–4 family	$0
C&I	$1.28M
Agriculture	$8.25M
Other	$230K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$10M

+29.4%y/y

Percentile by value17th percentileby value

FDICLNLSGR

Net loans

$9.88M

+29.9%y/y

Percentile by value17th percentileby value

FDICLNLSNET

Loans YoY

+29.89%

+402.9%y/y

Percentile by value95th percentileby value

FDICLNLSNET

L/D

45.3%

−1.7%y/y

Percentile by value25th percentileby value

FDICLNLSNET + DEP

Loans/assets

39.7%

+1.9%y/y

Percentile by value32nd percentileby value

FDICLNLSNET + ASSET

RE loans %

34.94%

−12.2%y/y

Percentile by value10th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

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

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

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

FDICLNRECONS + RBC

Loan HHI

3,710points

−5.9%y/y

Peer standing28th percentile

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

Owner CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

2.74%

Percentile by value44th percentileby value

FDICLNRENROT + LNLSGR

C&I %

12.73%

+41.1%y/y

Percentile by value64th percentileby value

FDICLNCI + LNLSGR