Nelson, NE · Cert 12246 · C L C Enterprises Inc.
State charter, non-member · FDIC · 1 branch
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 | 1.04% | 0.97% | 0.25% | 0.53% | 0.79% | 1.07% | 1.04% | 1.05% | +52 bps | |
| Return on Equity | 9.38% | 8.65% | 2.13% | 4.36% | 6.42% | 8.64% | 7.94% | 7.84% | +348 bps | |
| Net Interest Margin | 3.91% | 3.89% | 3.74% | 3.76% | 3.92% | 3.93% | 4.08% | 4.27% | +51 bps | |
| Efficiency Ratio | 68.94% | 70.98% | 78.27% | 75.73% | 73.93% | 66.96% | 68.25% | 67.25% | -848 bps | |
| Non-Interest Burden | 2.65% | 2.72% | 2.89% | 2.82% | 2.87% | 2.60% | 2.75% | 2.84% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | -6.44% | -2.52% | -6.59% | -7.81% | -1.26% | -3.22% | -2.70% | +389 bps | |
| Loan Growth (YoY) | 4.31% | -4.63% | -2.69% | -2.25% | 0.94% | 7.51% | 1.34% | 2.80% | +505 bps | |
| Deposit Growth (YoY) | -11.17% | -7.77% | -3.59% | -7.79% | 0.42% | -3.08% | -4.37% | -6.98% | +81 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.24% | 1.26% | 1.09% | 1.05% | 0.98% | 2.02% | 2.23% | 3.06% | +201 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 1.09% | 0.53% | 0.33% | 0.59% | 0.00% | 0.26% | -27 bps | |
| Allowance / Loans | 1.45% | 1.49% | 1.52% | 1.50% | 1.43% | 1.11% | 1.40% | 1.32% | -17 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.4x | 1.4x | 1.5x | 0.5x | 0.6x | 0.4x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.41% | 13.69% | 13.76% | 14.09% | 14.26% | 14.62% | 14.26% | 15.24% | +115 bps | |
| Total Risk-Based Capital | 18.01% | 17.86% | 18.13% | 18.86% | 18.67% | 18.34% | 19.45% | 20.13% | +126 bps | |
| Equity / Assets | 11.59% | 11.65% | 12.11% | 12.54% | 12.83% | 12.83% | 13.37% | 13.88% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.87% | 73.63% | 70.65% | 75.24% | 81.30% | 81.67% | 74.88% | 83.15% | +791 bps | |
| Liquid Assets / Assets | 13.16% | 13.47% | 14.61% | 14.87% | 13.46% | 14.18% | 14.70% | 14.70% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 65.08% | 68.35% | 60.00% | n/a | n/a | |