Cambridge, NE · Cert 10637 · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 1.92% | -0.67% | 0.00% | 0.65% | 0.96% | 1.27% | 1.34% | +134 bps | |
| Return on Equity | 17.42% | 17.26% | -6.10% | 0.00% | 6.00% | 8.88% | 11.36% | 11.80% | +1,180 bps | |
| Net Interest Margin | 4.66% | 4.47% | 3.87% | 3.79% | 4.07% | 4.04% | 4.07% | 4.03% | +24 bps | |
| Efficiency Ratio | 50.98% | 52.33% | 87.73% | 79.52% | 68.98% | 63.81% | 60.95% | 62.86% | -1,666 bps | |
| Non-Interest Burden | 2.17% | 2.04% | 3.33% | 2.93% | 2.67% | 2.41% | 2.26% | 2.30% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.66% | 3.27% | 5.61% | 7.47% | 9.23% | 8.63% | -1.95% | -3.19% | -1,066 bps | |
| Loan Growth (YoY) | -0.94% | 2.55% | 3.61% | 4.97% | 4.54% | -2.75% | -4.82% | -0.89% | -586 bps | |
| Deposit Growth (YoY) | -1.20% | 3.36% | 4.83% | 6.80% | 8.78% | 4.90% | -2.80% | -2.54% | -934 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.17% | 5.01% | 6.50% | 6.87% | 7.10% | 4.98% | 3.76% | 3.47% | -340 bps | |
| Net Charge-Offs / Loans | -0.35% | -0.02% | 4.17% | 2.25% | 1.25% | 1.16% | -0.25% | -0.12% | -237 bps | |
| Allowance / Loans | 1.99% | 1.71% | 1.08% | 1.17% | 1.34% | 1.25% | 1.37% | 1.30% | +13 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.3x | 0.2x | 0.2x | 0.2x | 0.3x | 0.4x | 0.4x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.60% | 11.51% | 11.07% | 10.64% | 10.97% | 10.94% | 11.35% | 11.59% | +95 bps | |
| Total Risk-Based Capital | 13.79% | 13.04% | 13.06% | 13.41% | 13.34% | 14.55% | 15.00% | 15.00% | +159 bps | |
| Equity / Assets | 11.56% | 11.43% | 10.49% | 10.45% | 10.82% | 10.90% | 11.52% | 11.55% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.40% | 93.98% | 88.55% | 89.01% | 92.64% | 87.12% | 86.71% | 90.52% | +151 bps | |
| Liquid Assets / Assets | 10.45% | 9.26% | 8.58% | 8.19% | 8.18% | 10.72% | 10.52% | 10.40% | +221 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 86.68% | 65.95% | 59.48% | n/a | n/a | |