Hartington, NE · Cert 13962 · Cedar Bcorp
State charter, Fed member · FED · 2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.04% | 0.98% | 1.19% | 1.18% | +14 bps | |
| Return on Equity | 13.18% | 12.74% | 12.16% | 14.58% | 14.15% | +97 bps | |
| Net Interest Margin | 4.02% | 4.05% | 3.81% | 3.97% | 4.06% | +4 bps | |
| Efficiency Ratio | 65.81% | 66.55% | 68.35% | 63.68% | 64.69% | -112 bps | |
| Non-Interest Burden | 2.52% | 2.56% | 2.49% | 2.38% | 2.49% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.09% | 7.70% | 9.03% | 8.11% | 9.58% | +749 bps | |
| Loan Growth (YoY) | 12.38% | 13.22% | 13.83% | 7.50% | 9.94% | -244 bps | |
| Deposit Growth (YoY) | -0.85% | 0.05% | 11.52% | 11.42% | 11.41% | +1,226 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | -12 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.19% | 1.18% | 1.10% | 1.24% | 1.21% | +2 bps | |
| Allowance Coverage of NPLs | 9.6x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.50% | 9.72% | 8.75% | 8.90% | 9.05% | -45 bps | |
| Total Risk-Based Capital | 12.72% | 12.69% | 11.22% | 12.72% | 12.50% | -22 bps | |
| Equity / Assets | 8.31% | 8.71% | 7.85% | 8.53% | 8.71% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.62% | 90.00% | 92.58% | 80.56% | 82.51% | -110 bps | |
| Liquid Assets / Assets | 0.41% | 0.40% | 0.37% | 4.02% | 3.86% | +345 bps | |
| CRE / Total Capital | n/a | 87.57% | 82.49% | 73.30% | n/a | n/a | |