Wausa, NE · Cert 13819 · Wausa Banshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
38
Profitability
70
Liquidity
49
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wausa, NE · Cert 13819 · Wausa Banshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #54 of 77 inst. · $0.1B 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 | 1.06% | 1.12% | 1.25% | 1.31% | 1.39% | 1.42% | 1.39% | 1.47% | +16 bps | |
| Return on Equity | 12.24% | 12.81% | 13.52% | 14.24% | 15.05% | 15.21% | 14.29% | 15.28% | +105 bps | |
| Net Interest Margin | 2.93% | 2.96% | 3.33% | 3.43% | 3.42% | 3.44% | 3.71% | 3.68% | +25 bps | |
| Efficiency Ratio | 58.04% | 56.42% | 54.00% | 52.92% | 51.25% | 51.41% | 53.62% | 51.14% | -178 bps | |
| Non-Interest Burden | 1.55% | 1.51% | 1.63% | 1.65% | 1.59% | 1.59% | 1.85% | 1.73% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.51% | 6.77% | 5.95% | 5.62% | 3.71% | 5.84% | 7.83% | 9.70% | +408 bps | |
| Loan Growth (YoY) | 11.65% | 7.64% | 8.62% | 5.61% | 5.08% | 8.21% | 6.21% | 7.14% | +153 bps | |
| Deposit Growth (YoY) | 13.69% | 13.04% | 5.86% | 7.10% | 2.88% | 4.81% | 7.39% | 9.45% | +234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.22% | 0.20% | 0.20% | 0.16% | 0.15% | 0.19% | 0.12% | -9 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.05% | 0.04% | 0.03% | 0.02% | 0.05% | 0.12% | +9 bps | |
| Allowance / Loans | 1.04% | 1.08% | 1.07% | 1.09% | 1.11% | 1.12% | 1.13% | 1.09% | +1 bps | |
| Allowance Coverage of NPLs | 4.9x | 5.0x | 5.5x | 5.3x | 6.8x | 7.3x | 6.1x | 9.2x | +3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.11% | 9.48% | 9.45% | 9.40% | 9.60% | 9.82% | 9.64% | +19 bps | |
| Total Risk-Based Capital | 8.90% | 9.11% | 9.48% | 9.45% | 9.40% | 9.60% | 9.82% | 9.64% | +19 bps | |
| Equity / Assets | 8.51% | 9.14% | 9.30% | 9.21% | 9.24% | 9.75% | 9.69% | 9.44% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.67% | 93.30% | 95.21% | 94.20% | 92.61% | 96.33% | 94.16% | 92.22% | -198 bps | |
| Liquid Assets / Assets | 10.09% | 8.14% | 7.17% | 7.94% | 9.28% | 5.32% | 7.37% | 8.77% | +83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 300% | 304% | n/a | n/a | |
Wausa, NE · Cert 13819 · Peer group: banks under $1B in assets in NE (n=83) · Wausa Banshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.42%
Rank 26 of 83
Net Interest Margin
3.68%
Rank 39 of 83
Efficiency Ratio
51.14%
Rank 22 of 83
Equity / Assets
9.44%
Rank 71 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.93% | 1.20% | 1.51% | Beats 69% | 26 / 83 | ||
| Return on Equity | 15.01% | 8.04% | 10.34% | 13.11% | Beats 89% | 9 / 83 | ||
| Net Interest Margin | 3.68% | 3.25% | 3.62% | 4.02% | Beats 53% | 39 / 83 | ||
| Efficiency Ratio | 51.14% | 51.13% | 59.95% | 67.19% | Beats 75% | 22 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.19% | 0.96% | Beats 59% | 35 / 83 | ||
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.02% | Beats 16% | 71 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.64% | 10.94% | 13.24% | 16.62% | Beats 8% | 76 / 83 | ||
| Total Risk-Based Capital Ratio | 9.64% | 11.04% | 13.54% | 17.63% | Beats 8% | 76 / 83 | ||
| Equity / Assets | 9.44% | 9.90% | 11.31% | 13.84% | Beats 14% | 71 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.22% | 71.97% | 83.15% | 92.22% | 75th pctl | 21 / 83 | ||
| Loans / Assets | 82.76% | 57.96% | 69.15% | 77.64% | 89th pctl | 9 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||