Bristow, NE · Cert 13696
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 0.76% | 0.86% | 0.79% | -0.94% | -236 bps | |
| Return on Equity | 9.83% | 5.17% | 5.56% | 5.26% | -8.20% | -1,803 bps | |
| Net Interest Margin | 4.34% | 3.57% | 4.22% | 4.14% | 4.31% | -3 bps | |
| Efficiency Ratio | 59.33% | 72.56% | 76.38% | 76.54% | 78.82% | +1,949 bps | |
| Non-Interest Burden | 2.52% | 2.57% | 3.18% | 3.15% | 3.38% | +87 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.24% | 10.62% | 7.28% | 8.41% | 51.88% | +3,965 bps | |
| Loan Growth (YoY) | -4.04% | 1.67% | 0.66% | 26.90% | 38.94% | +4,298 bps | |
| Deposit Growth (YoY) | 12.55% | 11.40% | 7.62% | 9.14% | 61.74% | +4,919 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.52% | 3.19% | 3.50% | 5.07% | 2.26% | -126 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.00% | 0.00% | -0.07% | 0.91% | +97 bps | |
| Allowance / Loans | 0.91% | 0.87% | 0.87% | 0.73% | 1.26% | +36 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.2x | 0.1x | 0.6x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.51% | 14.89% | 15.28% | 14.61% | 13.42% | -109 bps | |
| Total Risk-Based Capital | 14.51% | 14.89% | 15.28% | 14.61% | 13.42% | -109 bps | |
| Equity / Assets | 14.36% | 15.22% | 15.90% | 14.19% | 9.63% | -473 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.76% | 73.60% | 75.91% | 79.89% | 57.35% | -941 bps | |
| Liquid Assets / Assets | 40.80% | 35.29% | 32.47% | 28.80% | 19.02% | -2,178 bps | |
| CRE / Total Capital | n/a | 14.49% | 17.52% | 52.56% | n/a | n/a | |