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 (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 | 0.99% | 1.09% | 1.02% | 1.03% | 1.20% | 1.22% | 1.17% | 1.24% | +21 bps | |
| Return on Equity | 10.41% | 11.48% | 10.79% | 10.91% | 12.42% | 12.13% | 11.49% | 12.19% | +128 bps | |
| Net Interest Margin | 2.77% | 2.96% | 2.97% | 3.05% | 3.19% | 3.29% | 3.32% | 3.32% | +27 bps | |
| Efficiency Ratio | 55.88% | 55.46% | 55.66% | 56.12% | 52.50% | 56.13% | 54.72% | 53.44% | -268 bps | |
| Non-Interest Burden | 1.42% | 1.46% | 1.54% | 1.59% | 1.53% | 1.69% | 1.71% | 1.65% | +6 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 | 0.10% | 0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.03% | 0.02% | 0 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 | |