Lincoln, NE · Cert 14264 · Cornhusker Growth Corp.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 5.1% share · #5 of 33 inst. · $0.8B of $16.1B
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 | 0.52% | 0.57% | 0.72% | 0.82% | 0.86% | 0.85% | 1.14% | 1.14% | +31 bps | |
| Return on Equity | 5.91% | 6.41% | 8.12% | 9.15% | 9.41% | 9.18% | 11.67% | 11.64% | +249 bps | |
| Net Interest Margin | 2.48% | 2.53% | 2.82% | 2.85% | 2.91% | 2.98% | 3.23% | 3.23% | +38 bps | |
| Efficiency Ratio | 76.13% | 74.89% | 70.28% | 67.04% | 66.11% | 67.33% | 61.40% | 61.96% | -508 bps | |
| Non-Interest Burden | 1.77% | 1.77% | 1.85% | 1.74% | 1.76% | 1.85% | 1.78% | 1.80% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | -0.46% | 5.44% | 6.07% | 6.56% | 4.35% | -0.13% | 1.87% | -421 bps | |
| Loan Growth (YoY) | 1.25% | 3.74% | 8.37% | 8.88% | 8.71% | 1.29% | -3.71% | -0.32% | -920 bps | |
| Deposit Growth (YoY) | 1.23% | 0.18% | 6.30% | 2.19% | 6.96% | 6.23% | 0.57% | 1.67% | -51 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.06% | 0.05% | 0.05% | 0.02% | 0.05% | 0.05% | 0.02% | -3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | 0.02% | +2 bps | |
| Allowance / Loans | 1.30% | 1.27% | 1.22% | 1.25% | 1.28% | 1.29% | 1.28% | 1.24% | -1 bps | |
| Allowance Coverage of NPLs | 15.5x | 20.4x | 26.9x | 26.7x | 64.9x | 24.2x | 23.5x | 65.0x | +38.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.55% | 9.59% | 9.52% | 9.48% | 9.73% | 9.78% | 10.09% | 10.12% | +64 bps | |
| Total Risk-Based Capital | 13.79% | 13.59% | 13.16% | 13.40% | 13.75% | 13.90% | 14.11% | 13.94% | +53 bps | |
| Equity / Assets | 9.25% | 8.97% | 8.83% | 9.14% | 9.66% | 9.73% | 9.74% | 9.81% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.83% | 100.57% | 101.93% | 102.14% | 99.43% | 95.90% | 97.60% | 100.14% | -200 bps | |
| Liquid Assets / Assets | 0.96% | 0.72% | 0.75% | 0.63% | 0.42% | 2.62% | 2.02% | 1.89% | +126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 547% | 551% | 539% | n/a | n/a | |