Milligan, NE · Cert 14275 · FM Group Inc.
State charter, non-member · FDIC · 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 | 1.15% | 1.25% | 1.30% | 1.33% | 1.40% | +25 bps | |
| Return on Equity | 9.61% | 10.57% | 11.01% | 11.68% | 12.43% | +282 bps | |
| Net Interest Margin | 3.22% | 3.18% | 3.16% | 3.20% | 3.17% | -5 bps | |
| Efficiency Ratio | 46.49% | 44.06% | 43.52% | 40.46% | 39.23% | -726 bps | |
| Non-Interest Burden | 1.57% | 1.46% | 1.44% | 1.32% | 1.26% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.02% | 7.91% | 12.62% | 18.77% | 14.69% | +67 bps | |
| Loan Growth (YoY) | 13.30% | 16.58% | 21.44% | 20.23% | 17.69% | +439 bps | |
| Deposit Growth (YoY) | 13.64% | 5.59% | 11.60% | 19.90% | 18.37% | +472 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.14% | 0.68% | 0.64% | 0.57% | 0.19% | -95 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.01% | 0.99% | 1.04% | 1.08% | 0 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.5x | 1.5x | 1.8x | 5.8x | +4.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.84% | 11.65% | 11.70% | 11.56% | 11.08% | -76 bps | |
| Total Risk-Based Capital | 16.03% | 14.90% | 14.46% | 15.22% | 14.97% | -106 bps | |
| Equity / Assets | 11.56% | 11.54% | 11.45% | 11.41% | 11.03% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.94% | 115.92% | 116.69% | 110.24% | 108.32% | -62 bps | |
| Liquid Assets / Assets | 15.25% | 9.91% | 7.74% | 11.91% | 13.73% | -151 bps | |
| CRE / Total Capital | n/a | 33.48% | 29.49% | 30.59% | n/a | n/a | |