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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Nebraska, the state note

Dundee Bank

Omaha, Nebraska · $976M in assets · beside the 11 other Nebraska banks between $300M and $1B

The filing

52.7%
CRE / loans
12th of 12
73.1x
Coverage of noncurrent
1st of 11
495.1%
CRE / capital
12th of 12

Dundee Bank is the largest of the 12 Nebraska banks nearest its size between $300M and $1B, with $976M in assets at 30 June 2026. Loans are 101.4% of deposits, 10th of 12 against a median of 91.4%, and equity is 9.1% of assets, 10th of 12. Loans grew +23.0% in the year, 3rd of 12, and deposits grew 26.7%; the cohort's median loan growth is +8.4%.

Noncurrent loans are 0.02% of the book, 2nd of 12 against a median of 0.17%; 0.22% is 30 to 89 days past due, and the allowance covers them 73.1 times. Commercial real estate is 52.7% of loans, the highest in the cohort against a median of 14.5%, and 495% of capital, above the 300% screen, with construction at 209% against the 100% screen. CRE has grown +73.0% over 36 months, past the guidance's 50% prong.

Return on assets is 2.10%, 2nd of 12 against a median of 1.45%, on an efficiency ratio of 40.4%, 2nd of 12. Five years ago it was 3.31%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 12.4% of loans).

Commercial real estate, share of loansNE banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 14.5% CS Citizens State Bank 7.1% MC Madison County Bank 8.4% MB MNB Bank 12.2% Bo Bank of the Valley 12.6% HB Heartland Bank 13.2% HS Henderson State Bank 14.5% HB Heritage Bank 14.6% WC Washington County Bank 15.3% AB Arbor Bank 18.7% BB Bruning Bank 29.7% RB Riverstone Bank 40.1% DB Dundee Bank 52.7%
Loans, year over yearNE banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +8.4% HB Heritage Bank +26.5% HS Henderson State Bank +25.3% DB Dundee Bank +23.0% RB Riverstone Bank +15.0% AB Arbor Bank +12.2% CS Citizens State Bank +10.6% BB Bruning Bank +6.2% Bo Bank of the Valley +4.9% HB Heartland Bank +2.7% WC Washington County Bank +2.0% MC Madison County Bank +0.2% MB MNB Bank -1.2%

SBA 7(a), FY2008 to FY2026

Dundee Bank is the 29th largest 7(a) lender into Nebraska of 257, with $19M across 52 loans, 0.8% of everything approved in the state (Wells Fargo Bank National Association leads with $186M). 6 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Nebraska, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Douglas, NE$13M19th of 1451.5%-1.3 pts
Riverside, CA$3M116th of 2190.1%quiet FY2012
Sarpy, NE$2M27th of 700.9%quiet FY2021
Washington, NE$2M5th of 236.6%quiet FY2010
Lancaster, NE$2M37th of 830.4%quiet FY2021
Keya Paha, NE$457K1st of 279.2%quiet FY2009
Dane, WI$340K108th of 1410.0%quiet FY2015
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services15$6M27.8%0.01%735th of 2,596
Health care & social assistance4$4M20.1%0.01%599th of 2,172
Arts, entertainment & recreation6$3M12.4%0.02%504th of 1,656
Other services7$2M10.0%0.01%847th of 2,248
Construction4$1M6.1%0.00%1091st of 2,063
7(a) lenders into Nebraska, share of approvals since FY2008257 lenders on record; the ten largest and Dundee Bank
WF Wells Fargo Bank National Associa… 8.2% $186M · 483 loans UB Union Bank and Trust Company 7.1% $161M · 573 loans FN First National Bank of Omaha 6.4% $144M · 618 loans FS First State Bank Nebraska 6.2% $141M · 432 loans LO Live Oak Banking Company 4.4% $100M · 77 loans FI First Interstate Bank 3.8% $86M · 180 loans AB Associated Bank National Associat… 3.3% $74M · 159 loans CB Core Bank 2.4% $54M · 116 loans UB U.S. Bank, National Association 2.0% $45M · 530 loans NB Northwest Bank 1.6% $36M · 143 loans DB Dundee Bank 0.8% $19M · 52 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers, Dundee Bank among them; owner-occupied excluded; bold marks a screen met
Dundee BankRankCohort median
Total CRE against capital, the 300% screen495%12th of 1294%
Construction against capital, the 100% screen209%12th of 1228%
Construction and land development, share of loans22.3%12th of 125.3%
Non-owner-occupied nonfarm nonresidential, share of loans17.6%10th of 129.3%
Total CRE, the guidance definition, share of loans52.7%12th of 1214.5%
CRE growth over 36 months, the third prong+73.0%5th of 12+87.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Dundee Bank$976M2.1%40.4%0.02%0.00%1.3%101.4%9.1%
Heartland Bank$911M2.0%49.3%0.13%0.00%1.1%86.4%11.3%
Arbor Bank$702M1.1%73.3%1.03%0.01%1.0%98.3%8.7%
Henderson State Bank$678M1.6%45.2%0.27%0.00%0.7%110.2%10.0%
Washington County Bank$662M1.7%49.3%0.34%0.16%1.2%89.8%12.4%
Bruning Bank$660M1.3%60.0%0.00%0.00%1.5%88.4%9.1%
Citizens State Bank$653M1.2%66.1%0.20%0.01%1.4%85.6%8.8%
Madison County Bank$613M1.3%51.0%0.37%0.00%1.4%96.3%15.1%
Heritage Bank$612M2.6%33.0%1.18%0.00%1.0%71.2%22.7%
MNB Bank$594M1.0%66.8%0.15%0.04%1.5%77.3%11.3%
Riverstone Bank$593M2.0%56.0%0.05%0.01%1.2%101.6%9.5%
Bank of the Valley$582M0.9%70.8%0.05%0.00%1.4%93.1%9.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Dundee BankCohort median
20212026Change20212026Change
Loans$373M$859M+130%$325M$504M+55%
Deposits$373M$847M+127%$376M$535M+42%
NPA / loans0.86%0.02%-0.84 pts0.47%0.17%-0.29 pts
Efficiency45.0%40.4%-4.6 pts53.1%53.5%+0.4 pts
ROA3.31%2.10%-1.21 pts1.54%1.45%-0.09 pts

This read was prepared for Dundee Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Dundee Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NE banks $300M to $1B
Institution www.dundeebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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