Dayspring Bank
Gothenburg, NE · Cert 13622 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Nebraska Bankshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (13 in holding)
Q2 2026
$1.2BAssets
$865.6MLoans
$927.6MDeposits
$126.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 53% of banks $1B-$10B in assets operating in a single state (rank 123 of 258).
- Widest gap: net interest margin trails 91% of banks $1B-$10B in assets operating in a single state (rank 235 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.02%
Rank 172 of 258
Net Interest Margin
2.69%
Rank 235 of 258
Efficiency Ratio
60.34%
Rank 130 of 257
Equity / Assets
10.24%
Rank 131 of 258
Non-interest income vs. expense
Unfavorable gap of $16.5M · efficiency ratio beats 50% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.93% | 1.23% | 1.54% | Beats 33% | 172 / 258 | | |
| Return on Equity | 9.98% | 9.26% | 11.84% | 14.74% | Beats 32% | 175 / 258 | | |
| Net Interest Margin | 2.69% | 3.16% | 3.49% | 3.88% | Beats 9% | 235 / 258 | | |
| Efficiency Ratio | 60.34% | 51.71% | 60.30% | 69.65% | Beats 50% | 130 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.73% | 0.19% | 0.46% | 0.90% | Beats 10% | 234 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 53% | 123 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.71% | 11.41% | 12.98% | 15.12% | Beats 16% | 218 / 258 | | |
| Total Risk-Based Capital Ratio | 10.71% | 12.10% | 13.91% | 16.08% | Beats 13% | 224 / 258 | | |
| Equity / Assets | 10.24% | 9.09% | 10.24% | 11.72% | Beats 49% | 131 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.33% | 73.24% | 86.34% | 95.95% | 69th pctl | 79 / 258 | | |
| Loans / Assets | 70.31% | 63.01% | 72.27% | 78.40% | 43rd pctl | 147 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |