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 | |