Cozad, NE · Cert 11482 · C S B Co.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 1.0% share · #18 of 22 inst. · $0.0B of $3.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.51% | 1.78% | 1.70% | 1.60% | +4 bps | |
| Return on Equity | 9.13% | 8.58% | 9.85% | 9.33% | 8.74% | -39 bps | |
| Net Interest Margin | 3.71% | 3.79% | 3.95% | 3.85% | 3.86% | +15 bps | |
| Efficiency Ratio | 52.32% | 54.21% | 51.23% | 50.34% | 54.36% | +204 bps | |
| Non-Interest Burden | 1.67% | 1.79% | 1.74% | 1.66% | 1.84% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 2.32% | 2.61% | 2.86% | 4.76% | +207 bps | |
| Loan Growth (YoY) | 4.21% | 2.76% | 4.57% | 1.06% | -1.91% | -612 bps | |
| Deposit Growth (YoY) | 4.94% | 1.09% | 1.12% | 1.93% | 4.33% | -61 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.32% | 0.27% | 0.35% | 0.20% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.13% | 1.19% | 1.07% | 1.16% | 1.22% | +9 bps | |
| Allowance Coverage of NPLs | 4.9x | 3.7x | 4.0x | 3.4x | 6.1x | +1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.60% | 18.04% | 17.95% | 18.19% | 18.62% | +102 bps | |
| Total Risk-Based Capital | 17.60% | 18.04% | 17.95% | 18.19% | 18.62% | +102 bps | |
| Equity / Assets | 17.39% | 17.94% | 18.19% | 18.25% | 18.43% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.36% | 84.80% | 93.06% | 85.36% | 81.19% | -517 bps | |
| Liquid Assets / Assets | 2.91% | 5.21% | 0.65% | 6.49% | 9.73% | +682 bps | |
| CRE / Total Capital | n/a | 29.26% | 28.95% | 24.87% | n/a | n/a | |