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Nebraska State Bank

Bristow, NE · Cert 13696

State charter, non-member · FDIC · 1 branch

Q2 2026

$36.6MAssets
$18.8MLoans
$32.8MDeposits
$3.5MEquity
Loan mix
70%RE $5.0M27%C&I $1.9M4%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
59%Interest-bearing $19.2M41%Noninterest $13.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -0.94%, down 236 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.26% of loans (-126 bps YoY), with net charge-offs at 0.91%.
  • Capital: tier 1 leverage ratio of 13.42%, down 109 bps from a year ago.
  • Funding: loans stand at 57.35% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

-0.94%-236 bps YoY

Net Interest Margin (quarter, annualized)

4.31%-3 bps YoY

Efficiency Ratio (quarter, annualized)

78.82%+1,949 bps YoY

Tier 1 Leverage Ratio

13.42%-109 bps YoY

NIM

6.18%Q2 ’245.92%Q2 ’255.77%Q2 ’26-6%-1%

Non-interest income vs. expense

2.92%Q2 ’242.67%Q2 ’253.46%Q2 ’26-11%+34%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.93%0.86%1.12%1.42%0.76%0.86%0.79%-0.94%-236 bps
Return on Equity12.66%5.47%7.41%9.83%5.17%5.56%5.26%-8.20%-1,803 bps
Net Interest Margin4.74%4.49%4.32%4.34%3.57%4.22%4.14%4.31%-3 bps
Efficiency Ratio53.48%75.27%67.47%59.33%72.56%76.38%76.54%78.82%+1,949 bps
Non-Interest Burden2.30%3.19%2.88%2.52%2.57%3.18%3.15%3.38%+87 bps
Growth
Asset Growth (YoY)1.38%-0.45%13.04%12.24%10.62%7.28%8.41%51.88%+3,965 bps
Loan Growth (YoY)9.10%4.41%3.08%-4.04%1.67%0.66%26.90%38.94%+4,298 bps
Deposit Growth (YoY)-0.36%-1.03%13.16%12.55%11.40%7.62%9.14%61.74%+4,919 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.04%2.03%3.52%3.19%3.50%5.07%2.26%-126 bps
Net Charge-Offs / Loans-0.09%2.08%-0.03%-0.06%0.00%0.00%-0.07%0.91%+97 bps
Allowance / Loans1.39%0.86%0.89%0.91%0.87%0.87%0.73%1.26%+36 bps
Allowance Coverage of NPLs1.4x20.0x0.4x0.3x0.3x0.2x0.1x0.6x+0.3x
Capital
Tier 1 Leverage Ratio15.70%15.62%14.94%14.51%14.89%15.28%14.61%13.42%-109 bps
Total Risk-Based Capital15.70%15.62%14.94%14.51%14.89%15.28%14.61%13.42%-109 bps
Equity / Assets15.72%15.92%14.44%14.36%15.22%15.90%14.19%9.63%-473 bps
Liquidity & Funding
Loans / Deposits80.64%81.17%68.71%66.76%73.60%75.91%79.89%57.35%-941 bps
Liquid Assets / Assets29.23%26.82%38.73%40.80%35.29%32.47%28.80%19.02%-2,178 bps
CRE / Total Capitaln/an/an/an/a14.49%17.52%52.56%n/an/a