North Platte, NE · Cert 13892 · Sandhills Finl Services LLC
State charter, non-member · FDIC · 10 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
20
Asset Quality
56
Profitability
69
Liquidity
89
Efficiency
53
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.
North Platte, NE · Cert 13892 · Sandhills Finl Services LLC
State charter, non-member · FDIC · 10 branches
Q2 2026
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 | 0.89% | 0.96% | 1.13% | 1.16% | 1.13% | 1.10% | 1.24% | 1.22% | +6 bps | |
| Return on Equity | 10.17% | 11.04% | 13.00% | 13.19% | 12.86% | 12.56% | 14.25% | 13.86% | +67 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.69% | 3.74% | 3.68% | 3.43% | 3.82% | 3.87% | +13 bps | |
| Efficiency Ratio | 63.54% | 61.82% | 58.75% | 57.52% | 58.60% | 58.89% | 57.88% | 59.13% | +161 bps | |
| Non-Interest Burden | 1.99% | 1.97% | 2.10% | 2.08% | 2.09% | 1.96% | 2.12% | 2.19% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.29% | -0.57% | 5.27% | 3.23% | 3.54% | 12.65% | 5.51% | 6.10% | +287 bps | |
| Loan Growth (YoY) | 5.45% | 3.74% | 3.78% | 1.66% | -2.20% | 0.35% | 0.35% | 3.32% | +165 bps | |
| Deposit Growth (YoY) | 9.92% | 5.48% | 2.62% | 1.53% | 4.17% | 12.77% | 8.80% | 13.52% | +1,199 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.10% | 0.16% | 0.15% | 0.13% | 0.13% | 0.16% | +1 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | 0.01% | -0.03% | -0.02% | -1 bps | |
| Allowance / Loans | 0.98% | 0.99% | 1.03% | 1.03% | 1.07% | 1.09% | 1.13% | 1.09% | +6 bps | |
| Allowance Coverage of NPLs | 9.5x | 9.8x | 10.3x | 6.5x | 7.1x | 8.3x | 8.6x | 6.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.64% | 8.51% | 8.82% | 8.93% | 8.83% | 8.07% | 8.38% | 8.42% | -51 bps | |
| Total Risk-Based Capital | 11.56% | 11.68% | 11.96% | 11.72% | 12.07% | 11.79% | 12.16% | 11.82% | +10 bps | |
| Equity / Assets | 8.83% | 8.67% | 8.79% | 8.84% | 8.92% | 8.55% | 8.89% | 8.86% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.40% | 84.91% | 83.56% | 88.14% | 77.37% | 75.55% | 77.07% | 80.22% | -792 bps | |
| Liquid Assets / Assets | 1.23% | 0.70% | 5.60% | 3.89% | 7.67% | 9.43% | 6.73% | 5.18% | +129 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 63.53% | 68.41% | 70.58% | n/a | n/a | |
North Platte, NE · Cert 13892 · Peer group: banks under $1B in assets in NE (n=83) · Sandhills Finl Services LLC
State charter, non-member · FDIC · 10 branches
Q2 2026
Return on Assets
1.22%
Rank 39 of 83
Net Interest Margin
3.87%
Rank 26 of 83
Efficiency Ratio
59.32%
Rank 40 of 83
Equity / Assets
8.86%
Rank 78 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.93% | 1.20% | 1.51% | Beats 53% | 39 / 83 | ||
| Return on Equity | 13.73% | 8.04% | 10.34% | 13.11% | Beats 84% | 13 / 83 | ||
| Net Interest Margin | 3.87% | 3.25% | 3.62% | 4.02% | Beats 69% | 26 / 83 | ||
| Efficiency Ratio | 59.32% | 51.13% | 59.95% | 67.19% | Beats 53% | 40 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.00% | 0.19% | 0.96% | Beats 54% | 39 / 83 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 58% | 36 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.78% | 10.94% | 13.24% | 16.62% | Beats 22% | 65 / 83 | ||
| Total Risk-Based Capital Ratio | 11.82% | 11.04% | 13.54% | 17.63% | Beats 33% | 56 / 83 | ||
| Equity / Assets | 8.86% | 9.90% | 11.31% | 13.84% | Beats 6% | 78 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.22% | 71.97% | 83.15% | 92.22% | 41st pctl | 49 / 83 | ||
| Loans / Assets | 72.75% | 57.96% | 69.15% | 77.64% | 58th pctl | 35 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||