Steinauer, NE · Cert 10635 · Steinauer Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.13% | 0.31% | 0.94% | 1.08% | -21 bps | |
| Return on Equity | 15.12% | 13.19% | 3.54% | 11.34% | 12.23% | -289 bps | |
| Net Interest Margin | 3.89% | 4.09% | 4.08% | 3.88% | 4.08% | +19 bps | |
| Efficiency Ratio | 70.20% | 73.52% | 91.91% | 78.49% | 77.61% | +741 bps | |
| Non-Interest Burden | 2.59% | 2.91% | 3.72% | 3.00% | 3.13% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 32.72% | 18.80% | 8.53% | 8.34% | -16.43% | -4,915 bps | |
| Loan Growth (YoY) | 8.82% | 4.60% | 3.90% | 2.39% | 12.91% | +409 bps | |
| Deposit Growth (YoY) | 35.55% | 18.75% | 9.18% | 8.88% | -20.98% | -5,653 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.66% | 0.66% | 0.61% | 0.65% | 0.58% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.18% | 8.63% | 7.94% | 7.52% | 7.89% | -29 bps | |
| Total Risk-Based Capital | 8.18% | 16.96% | 15.34% | 15.48% | 15.88% | +770 bps | |
| Equity / Assets | 8.24% | 8.76% | 9.58% | 7.33% | 10.10% | +185 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.32% | 57.73% | 71.84% | 48.98% | 79.04% | +2,373 bps | |
| Liquid Assets / Assets | 43.61% | 42.51% | 21.93% | 44.67% | 25.67% | -1,793 bps | |
| CRE / Total Capital | n/a | 22.49% | 29.41% | 27.35% | n/a | n/a | |