Commercial Bank
Nelson, NE · Cert 12246 · Peer group: banks under $1B in assets in NE (n=83) · C L C Enterprises Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$56.5MAssets
$39.1MLoans
$47.0MDeposits
$7.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in NE (rank 8 of 83).
- Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in NE (rank 78 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.08%
Rank 53 of 83
Net Interest Margin
4.27%
Rank 8 of 83
Efficiency Ratio
67.25%
Rank 64 of 83
Equity / Assets
13.88%
Rank 20 of 83
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 24% 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 | 1.08% | 0.93% | 1.20% | 1.51% | Beats 36% | 53 / 83 | |
| Return on Equity | 7.76% | 8.04% | 10.34% | 13.11% | Beats 17% | 69 / 83 | |
| Net Interest Margin | 4.27% | 3.25% | 3.62% | 4.02% | Beats 90% | 8 / 83 | |
| Efficiency Ratio | 67.25% | 51.13% | 59.95% | 67.19% | Beats 24% | 64 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.06% | 0.00% | 0.19% | 0.96% | Beats 7% | 78 / 83 | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.00% | 0.02% | Beats 8% | 77 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 19.01% | 10.94% | 13.24% | 16.62% | Beats 86% | 12 / 83 | |
| Total Risk-Based Capital Ratio | 20.13% | 11.04% | 13.54% | 17.63% | Beats 87% | 11 / 83 | |
| Equity / Assets | 13.88% | 9.90% | 11.31% | 13.84% | Beats 76% | 20 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 83.15% | 71.97% | 83.15% | 92.22% | 49th pctl | 42 / 83 | |
| Loans / Assets | 69.20% | 57.96% | 69.15% | 77.64% | 51st pctl | 41 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |