Thayer County Bank
Hebron, NE · Cert 11475 · Peer group: banks under $1B in assets in NE (n=83) · Thayer Agency Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$88.5MAssets
$51.3MLoans
$66.5MDeposits
$9.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
- Widest gap: efficiency ratio trails 78% of banks under $1B in assets in NE (rank 66 of 83).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.02%
Rank 57 of 83
Net Interest Margin
3.40%
Rank 56 of 83
Efficiency Ratio
69.84%
Rank 66 of 83
Equity / Assets
10.81%
Rank 48 of 83
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 22% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.93% | 1.20% | 1.51% | Beats 31% | 57 / 83 | |
| Return on Equity | 9.47% | 8.04% | 10.34% | 13.11% | Beats 39% | 51 / 83 | |
| Net Interest Margin | 3.40% | 3.25% | 3.62% | 4.02% | Beats 33% | 56 / 83 | |
| Efficiency Ratio | 69.84% | 51.13% | 59.95% | 67.19% | Beats 22% | 66 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.00% | 0.19% | 0.96% | Beats 40% | 51 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 13.02% | 10.94% | 13.24% | 16.62% | Beats 47% | 44 / 83 | |
| Total Risk-Based Capital Ratio | 13.02% | 11.04% | 13.54% | 17.63% | Beats 42% | 48 / 83 | |
| Equity / Assets | 10.81% | 9.90% | 11.31% | 13.84% | Beats 42% | 48 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 77.07% | 71.97% | 83.15% | 92.22% | 31st pctl | 57 / 83 | |
| Loans / Assets | 57.96% | 57.96% | 69.15% | 77.64% | 24th pctl | 63 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |