Scotia, NE · Cert 14069
State charter, non-member · FDIC · 1 branch
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 | 0.72% | 0.83% | 0.44% | 0.53% | 0.40% | -32 bps | |
| Return on Equity | 3.62% | 4.12% | 2.18% | 2.59% | 1.97% | -165 bps | |
| Net Interest Margin | 2.49% | 2.71% | 2.79% | 2.44% | 2.31% | -19 bps | |
| Efficiency Ratio | 58.81% | 58.09% | 69.36% | 66.58% | 69.33% | +1,052 bps | |
| Non-Interest Burden | 1.39% | 1.49% | 1.88% | 1.58% | 1.56% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.37% | -3.02% | -0.65% | -2.34% | -3.11% | -948 bps | |
| Loan Growth (YoY) | -13.07% | -14.11% | -11.89% | -14.47% | -11.93% | +114 bps | |
| Deposit Growth (YoY) | 7.74% | -3.91% | -1.11% | -2.91% | -3.61% | -1,135 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.42% | 4.07% | 3.84% | 5.92% | 7.84% | +242 bps | |
| Net Charge-Offs / Loans | 0.01% | 1.27% | 1.22% | 0.13% | 0.22% | +21 bps | |
| Allowance / Loans | 3.11% | 2.37% | 2.40% | 2.65% | 2.85% | -26 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.4x | 0.4x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.60% | 20.44% | 20.99% | 20.55% | 19.87% | +27 bps | |
| Total Risk-Based Capital | 33.09% | 34.49% | 34.17% | 34.83% | 35.56% | +247 bps | |
| Equity / Assets | 19.45% | 21.20% | 21.14% | 19.88% | 19.98% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.49% | 65.64% | 64.41% | 56.61% | 55.27% | -522 bps | |
| Liquid Assets / Assets | 51.10% | 47.24% | 47.97% | 53.73% | 55.34% | +424 bps | |
| CRE / Total Capital | n/a | 13.95% | 13.87% | 13.03% | n/a | n/a | |