Farnam, NE · Cert 12244 · Nebraska Bankshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (13 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.19% | 1.03% | 1.07% | 1.05% | 1.41% | 1.22% | 1.35% | +28 bps | |
| Return on Equity | 9.24% | 9.96% | 9.04% | 9.00% | 8.39% | 11.35% | 10.09% | 11.40% | +240 bps | |
| Net Interest Margin | 2.62% | 2.56% | 2.66% | 2.73% | 2.73% | 3.09% | 2.92% | 3.00% | +27 bps | |
| Efficiency Ratio | 60.94% | 60.57% | 62.08% | 63.07% | 62.26% | 55.16% | 56.81% | 56.49% | -658 bps | |
| Non-Interest Burden | 1.16% | 1.05% | 1.29% | 1.35% | 1.39% | 1.20% | 1.25% | 1.30% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.30% | 3.56% | 13.00% | 8.55% | 7.87% | 10.10% | 4.01% | 7.53% | -102 bps | |
| Loan Growth (YoY) | -0.16% | -12.81% | -9.02% | -10.74% | -2.80% | -0.59% | -1.85% | -0.31% | +1,043 bps | |
| Deposit Growth (YoY) | 8.26% | 19.55% | 29.28% | 9.48% | -11.43% | 4.21% | -1.21% | 14.55% | +508 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 1.03% | 1.36% | 0.63% | 0.45% | 0.38% | 2.24% | 0.33% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.02% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.48% | 1.50% | 1.58% | 1.56% | 1.47% | 1.50% | 1.64% | 1.59% | +3 bps | |
| Allowance Coverage of NPLs | 4.4x | 1.5x | 1.2x | 2.5x | 3.3x | 4.0x | 0.7x | 4.8x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.06% | 12.29% | 12.03% | 12.72% | 12.74% | 12.34% | 11.77% | 11.94% | -78 bps | |
| Total Risk-Based Capital | 13.06% | 12.29% | 12.03% | 12.72% | 12.74% | 12.34% | 11.77% | 11.94% | -78 bps | |
| Equity / Assets | 12.39% | 11.59% | 11.31% | 12.39% | 12.56% | 12.27% | 11.82% | 11.84% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.77% | 85.99% | 78.41% | 93.29% | 95.23% | 82.03% | 77.90% | 81.19% | -1,211 bps | |
| Liquid Assets / Assets | 4.62% | 4.39% | 4.27% | 4.19% | 2.86% | 4.20% | 2.99% | 3.27% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 66.11% | 65.73% | 78.51% | n/a | n/a | |