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Bank of Steinauer

Steinauer, NE · Cert 10635 · Steinauer Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$19.0MAssets
$13.0MLoans
$16.5MDeposits
$1.9MEquity
Loan mix
77%RE $7.7M6%C&I $0.6M17%Consumer $1.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $11.9M28%Noninterest $4.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.12%, down 3 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.89%, down 29 bps from a year ago.
  • Funding: loans stand at 79.04% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.12%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.22%+1 bps YoY

Efficiency Ratio (quarter, annualized)

76.78%+535 bps YoY

Tier 1 Leverage Ratio

7.89%-29 bps YoY

NIM

5.00%Q2 ’245.33%Q2 ’255.29%Q2 ’26+19%+0%

Non-interest income vs. expense

3.99%Q2 ’243.13%Q2 ’253.37%Q2 ’26+3%+8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%-0.74%1.39%1.14%0.80%-2.29%0.94%1.12%-3 bps
Return on Equity8.42%-7.50%15.97%14.30%9.46%-25.07%11.34%13.11%-119 bps
Net Interest Margin3.60%3.97%3.77%4.21%4.25%4.30%3.88%4.22%+1 bps
Efficiency Ratio81.59%109.91%68.95%71.43%80.33%145.14%78.49%76.78%+535 bps
Non-Interest Burden2.74%4.47%2.35%2.96%3.39%6.34%3.00%3.20%+24 bps
Growth
Asset Growth (YoY)15.07%4.04%37.68%32.72%18.80%8.53%8.34%-16.43%-4,915 bps
Loan Growth (YoY)3.65%16.53%15.69%8.82%4.60%3.90%2.39%12.91%+409 bps
Deposit Growth (YoY)16.89%2.01%41.28%35.55%18.75%9.18%8.88%-20.98%-5,653 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.00%0.00%0.00%0.00%0.03%0.00%0.00%0 bps
Allowance / Loans0.70%0.65%0.68%0.66%0.66%0.61%0.65%0.58%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.32%9.49%8.33%8.18%8.63%7.94%7.52%7.89%-29 bps
Total Risk-Based Capital10.32%9.49%8.33%8.18%16.96%15.34%15.48%15.88%+770 bps
Equity / Assets9.60%10.02%7.74%8.24%8.76%9.58%7.33%10.10%+185 bps
Liquidity & Funding
Loans / Deposits65.54%75.49%52.08%55.32%57.73%71.84%48.98%79.04%+2,373 bps
Liquid Assets / Assets25.68%25.60%42.42%43.61%42.51%21.93%44.67%25.67%-1,793 bps
CRE / Total Capitaln/an/an/an/a22.49%29.41%27.35%n/an/a