Gothenburg, NE · Cert 13622 · Nebraska Bankshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (13 in holding)
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.5% share · #28 of 77 inst. · $0.2B of $42.7B
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 | 0.87% | 0.75% | 0.66% | 0.71% | 0.76% | 0.87% | 1.00% | 1.06% | +35 bps | |
| Return on Equity | 8.99% | 7.77% | 6.86% | 7.38% | 7.80% | 8.74% | 9.66% | 10.24% | +286 bps | |
| Net Interest Margin | 1.79% | 1.77% | 2.12% | 2.16% | 2.21% | 2.24% | 2.67% | 2.69% | +53 bps | |
| Efficiency Ratio | 64.78% | 70.26% | 61.68% | 57.91% | 58.75% | 58.49% | 62.23% | 60.34% | +242 bps | |
| Non-Interest Burden | 0.84% | 0.99% | 1.01% | 0.87% | 0.93% | 0.98% | 1.38% | 1.35% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.84% | 11.36% | 7.89% | 5.77% | 3.31% | 5.70% | 3.66% | 6.82% | +105 bps | |
| Loan Growth (YoY) | 4.42% | 4.51% | 6.90% | 6.60% | 5.91% | 6.86% | 6.29% | 8.22% | +162 bps | |
| Deposit Growth (YoY) | 16.39% | 30.03% | 17.97% | 17.48% | 7.83% | 0.81% | 0.72% | 0.20% | -1,728 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 1.55% | 1.67% | 1.02% | 1.37% | 1.76% | 1.78% | 1.73% | +71 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.04% | 0.10% | 1.00% | 0.67% | 0.69% | 0.05% | -0.03% | -104 bps | |
| Allowance / Loans | 1.50% | 1.59% | 1.67% | 1.39% | 1.48% | 1.30% | 1.28% | 1.29% | -10 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 1.0x | 1.4x | 1.1x | 0.7x | 0.7x | 0.7x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.19% | 10.04% | 10.35% | 10.26% | 10.40% | 10.49% | 10.52% | 10.71% | +46 bps | |
| Total Risk-Based Capital | 10.19% | 10.04% | 10.35% | 10.26% | 10.40% | 10.49% | 10.52% | 10.71% | +46 bps | |
| Equity / Assets | 10.04% | 9.67% | 9.58% | 9.68% | 10.15% | 10.48% | 10.29% | 10.24% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.93% | 82.95% | 85.43% | 86.41% | 87.35% | 87.92% | 90.15% | 93.33% | +692 bps | |
| Liquid Assets / Assets | 3.32% | 3.46% | 3.30% | 3.46% | 2.99% | 2.83% | 2.68% | 2.58% | -87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 247% | 246% | 255% | n/a | n/a | |