Kearney, NE · Cert 1435 · Exchange Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 10.9% share · #2 of 22 inst. · $0.4B of $3.6B
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 | 1.35% | 1.28% | 1.30% | 1.39% | 1.42% | 1.47% | 1.52% | 1.69% | +29 bps | |
| Return on Equity | 13.82% | 13.16% | 13.87% | 14.85% | 14.76% | 14.92% | 14.24% | 15.50% | +64 bps | |
| Net Interest Margin | 2.45% | 2.43% | 2.67% | 2.73% | 2.76% | 2.81% | 2.91% | 3.11% | +38 bps | |
| Efficiency Ratio | 46.96% | 47.74% | 44.57% | 42.64% | 42.10% | 41.11% | 39.62% | 37.27% | -537 bps | |
| Non-Interest Burden | 0.99% | 0.99% | 1.02% | 0.99% | 0.99% | 0.97% | 0.99% | 0.99% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 5.32% | 6.88% | 7.93% | 6.86% | 5.58% | 4.53% | 2.86% | -507 bps | |
| Loan Growth (YoY) | 2.66% | 1.62% | 1.74% | 5.16% | 4.58% | 5.23% | 3.67% | 1.47% | -368 bps | |
| Deposit Growth (YoY) | 10.60% | 13.59% | 3.13% | 4.79% | 1.78% | -0.39% | 3.56% | 2.25% | -255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.50% | 1.28% | 1.31% | 1.71% | 1.48% | 3.51% | 3.49% | +218 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.11% | 0.06% | 0.07% | 0.08% | 0.27% | 0.01% | -5 bps | |
| Allowance / Loans | 1.46% | 1.46% | 1.43% | 1.40% | 1.39% | 1.38% | 1.35% | 1.39% | 0 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.9x | 1.1x | 1.1x | 0.8x | 0.9x | 0.4x | 0.4x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.16% | 10.32% | 10.12% | 10.32% | 10.72% | 11.10% | 10.77% | 11.39% | +106 bps | |
| Total Risk-Based Capital | 10.16% | 10.32% | 10.12% | 10.32% | 10.72% | 11.10% | 10.77% | 11.39% | +106 bps | |
| Equity / Assets | 9.74% | 9.56% | 9.25% | 9.33% | 10.24% | 10.83% | 10.52% | 11.31% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.48% | 85.25% | 88.71% | 89.96% | 89.88% | 90.06% | 88.80% | 89.28% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 0.07% | 0.03% | 0.03% | 0.02% | 0.04% | 0.00% | 0.06% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 311% | 302% | 303% | n/a | n/a | |