Lincoln, NE · Cert 13868 · First State Holding Co.
State charter, Fed member · FED · 18 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
59
Profitability
43
Liquidity
69
Efficiency
67
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.
Lincoln, NE · Cert 13868 · First State Holding Co.
State charter, Fed member · FED · 18 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 2.9% share · #8 of 33 inst. · $0.5B of $16.1B
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 | 0.82% | 0.89% | 1.02% | 1.02% | 1.09% | 1.12% | 1.17% | 1.20% | +18 bps | |
| Return on Equity | 8.58% | 9.36% | 10.79% | 10.84% | 11.36% | 11.57% | 11.49% | 11.83% | +99 bps | |
| Net Interest Margin | 2.61% | 2.68% | 2.97% | 2.98% | 3.01% | 3.02% | 3.32% | 3.27% | +29 bps | |
| Efficiency Ratio | 61.04% | 59.48% | 55.66% | 55.90% | 54.69% | 55.09% | 54.72% | 54.07% | -183 bps | |
| Non-Interest Burden | 1.48% | 1.46% | 1.54% | 1.55% | 1.52% | 1.54% | 1.71% | 1.65% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | 6.07% | 7.76% | 8.89% | 3.78% | 6.81% | 4.13% | 3.15% | -574 bps | |
| Loan Growth (YoY) | 10.12% | 9.12% | 9.63% | 11.06% | 7.18% | 8.47% | 9.34% | 7.12% | -394 bps | |
| Deposit Growth (YoY) | 11.80% | 8.40% | 10.24% | 7.68% | 5.02% | 9.66% | 7.27% | 10.56% | +288 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.03% | 0.13% | 0.12% | 0.12% | 0.13% | 0.24% | +11 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.00% | 0.01% | 0.01% | 0.01% | 0.03% | 0.03% | +2 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.97% | 0.94% | 0.96% | 0.95% | 0.97% | 0.97% | +3 bps | |
| Allowance Coverage of NPLs | 23.0x | 27.9x | 37.2x | 7.1x | 7.7x | 7.8x | 7.3x | 4.1x | -3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.78% | 8.85% | 9.01% | 8.96% | 8.97% | 9.14% | 9.19% | 9.00% | +4 bps | |
| Total Risk-Based Capital | 12.19% | 12.06% | 12.48% | 12.19% | 12.39% | 12.47% | 12.63% | 12.55% | +37 bps | |
| Equity / Assets | 9.64% | 9.44% | 9.50% | 9.39% | 10.01% | 10.09% | 10.25% | 10.15% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.20% | 93.95% | 89.35% | 94.65% | 92.06% | 92.93% | 91.08% | 91.71% | -295 bps | |
| Liquid Assets / Assets | 1.76% | 2.26% | 5.04% | 2.56% | 1.43% | 3.13% | 3.18% | 2.68% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 249% | 248% | 252% | n/a | n/a | |
Lincoln, NE · Cert 13868 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First State Holding Co.
State charter, Fed member · FED · 18 branches
Q2 2026
Return on Assets
1.19%
Rank 138 of 258
Net Interest Margin
3.27%
Rank 174 of 258
Efficiency Ratio
54.79%
Rank 87 of 257
Equity / Assets
10.15%
Rank 135 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.93% | 1.23% | 1.54% | Beats 47% | 138 / 258 | ||
| Return on Equity | 11.73% | 9.26% | 11.84% | 14.74% | Beats 49% | 132 / 258 | ||
| Net Interest Margin | 3.27% | 3.16% | 3.49% | 3.88% | Beats 33% | 174 / 258 | ||
| Efficiency Ratio | 54.79% | 51.71% | 60.30% | 69.65% | Beats 67% | 87 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.19% | 0.46% | 0.90% | Beats 70% | 78 / 258 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 47% | 138 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.56% | 11.41% | 12.98% | 15.12% | Beats 28% | 187 / 258 | ||
| Total Risk-Based Capital Ratio | 12.55% | 12.10% | 13.91% | 16.08% | Beats 32% | 176 / 258 | ||
| Equity / Assets | 10.15% | 9.09% | 10.24% | 11.72% | Beats 48% | 135 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.71% | 73.24% | 86.34% | 95.95% | 66th pctl | 89 / 258 | ||
| Loans / Assets | 79.99% | 63.01% | 72.27% | 78.40% | 80th pctl | 52 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||