Waverly, NE · Cert 14327
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 1.5% share · #14 of 33 inst. · $0.2B 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 | 2.49% | 2.30% | 2.39% | 2.63% | 2.76% | 2.76% | 2.87% | 2.95% | +32 bps | |
| Return on Equity | 16.54% | 15.16% | 15.48% | 17.13% | 18.01% | 18.13% | 19.19% | 19.92% | +278 bps | |
| Net Interest Margin | 4.19% | 4.34% | 4.51% | 4.63% | 4.82% | 4.88% | 4.75% | 4.67% | +3 bps | |
| Efficiency Ratio | 30.75% | 33.36% | 35.92% | 33.15% | 32.24% | 31.08% | 26.84% | 26.23% | -692 bps | |
| Non-Interest Burden | 1.44% | 1.59% | 1.80% | 1.71% | 1.72% | 1.69% | 1.36% | 1.30% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.37% | 7.53% | 6.64% | 6.64% | 10.02% | 11.40% | 14.08% | 15.91% | +927 bps | |
| Loan Growth (YoY) | 16.72% | 11.17% | 8.14% | 2.71% | 10.89% | 10.53% | 9.81% | 5.45% | +274 bps | |
| Deposit Growth (YoY) | 13.01% | 14.49% | 7.99% | 8.33% | 12.39% | 11.89% | 15.09% | 15.95% | +762 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 1.33% | 1.30% | 1.28% | 0.57% | 0.74% | 0.45% | 0.46% | -82 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.07% | 0.06% | 0.10% | 0.05% | +5 bps | |
| Allowance / Loans | 0.56% | 0.76% | 0.75% | 0.76% | 0.67% | 0.91% | 0.89% | 0.94% | +18 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 0.6x | 0.6x | 1.2x | 1.2x | 2.0x | 2.0x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.01% | 13.74% | 14.16% | 14.04% | 14.42% | 13.74% | 14.26% | 13.96% | -8 bps | |
| Total Risk-Based Capital | 14.72% | 14.12% | 14.73% | 14.90% | 14.28% | 14.43% | 15.06% | 15.80% | +90 bps | |
| Equity / Assets | 15.08% | 15.42% | 15.41% | 15.20% | 15.23% | 14.97% | 14.90% | 14.62% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.53% | 97.11% | 97.60% | 93.29% | 97.22% | 95.94% | 93.13% | 84.84% | -845 bps | |
| Liquid Assets / Assets | 3.98% | 4.14% | 3.97% | 7.97% | 5.63% | 7.75% | 10.45% | 15.51% | +755 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 440% | 452% | 444% | n/a | n/a | |