Scotia, NE · Cert 14069
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.00% | -0.49% | 0.95% | 0.49% | 1.04% | -0.77% | 0.53% | 0.27% | -22 bps | |
| Return on Equity | 4.90% | -2.36% | 4.72% | 2.51% | 5.13% | -3.65% | 2.59% | 1.34% | -117 bps | |
| Net Interest Margin | 3.11% | 2.99% | 2.73% | 2.20% | 3.00% | 2.67% | 2.44% | 2.24% | +3 bps | |
| Efficiency Ratio | 49.19% | 110.88% | 53.00% | 66.04% | 56.85% | 105.88% | 66.58% | 72.25% | +621 bps | |
| Non-Interest Burden | 1.43% | 3.34% | 1.36% | 1.39% | 1.63% | 2.83% | 1.58% | 1.58% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | -6.20% | -0.28% | 6.37% | -3.02% | -0.65% | -2.34% | -3.11% | -948 bps | |
| Loan Growth (YoY) | -5.81% | -9.13% | -8.13% | -13.07% | -14.11% | -11.89% | -14.47% | -11.93% | +114 bps | |
| Deposit Growth (YoY) | -2.15% | -8.16% | -0.93% | 7.74% | -3.91% | -1.11% | -2.91% | -3.61% | -1,135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.47% | 2.79% | 2.95% | 5.42% | 4.07% | 3.84% | 5.92% | 7.84% | +242 bps | |
| Net Charge-Offs / Loans | 3.14% | -0.19% | 0.01% | 0.01% | 3.79% | 0.94% | 0.13% | 0.31% | +30 bps | |
| Allowance / Loans | 2.24% | 2.58% | 2.77% | 3.11% | 2.37% | 2.40% | 2.65% | 2.85% | -26 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.6x | 0.6x | 0.6x | 0.4x | 0.4x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.62% | 20.51% | 19.25% | 19.60% | 20.44% | 20.99% | 20.55% | 19.87% | +27 bps | |
| Total Risk-Based Capital | 30.75% | 31.72% | 31.71% | 33.09% | 34.49% | 34.17% | 34.83% | 35.56% | +247 bps | |
| Equity / Assets | 20.42% | 20.93% | 19.45% | 19.45% | 21.20% | 21.14% | 19.88% | 19.98% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.43% | 72.29% | 64.26% | 60.49% | 65.64% | 64.41% | 56.61% | 55.27% | -522 bps | |
| Liquid Assets / Assets | 39.58% | 41.33% | 47.46% | 51.10% | 47.24% | 47.97% | 53.73% | 55.34% | +424 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 13.95% | 13.87% | 13.03% | n/a | n/a | |