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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.27% | 1.25% | 1.38% | 1.54% | 1.48% | 1.39% | 1.55% | +17 bps | |
| Return on Equity | 12.96% | 14.42% | 13.52% | 14.92% | 16.67% | 15.57% | 14.29% | 16.24% | +132 bps | |
| Net Interest Margin | 3.02% | 3.19% | 3.33% | 3.57% | 3.64% | 3.69% | 3.71% | 3.77% | +19 bps | |
| Efficiency Ratio | 56.00% | 51.97% | 54.00% | 51.91% | 48.19% | 51.86% | 53.62% | 48.79% | -312 bps | |
| Non-Interest Burden | 1.51% | 1.49% | 1.63% | 1.70% | 1.58% | 1.70% | 1.85% | 1.67% | -2 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% | 0.00% | 0.05% | 0.02% | 0.01% | 0.00% | 0.05% | 0.20% | +18 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 | |