Elkhorn, NE · Cert 1439 · American Interstate Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #42 of 77 inst. · $0.1B of $42.7B
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 | 3.37% | 3.37% | 3.29% | 3.23% | 3.24% | 3.34% | 2.70% | 2.83% | -40 bps | |
| Return on Equity | 16.83% | 17.00% | 17.21% | 17.49% | 17.04% | 17.76% | 14.31% | 14.69% | -280 bps | |
| Net Interest Margin | 5.66% | 5.91% | 5.53% | 5.65% | 5.63% | 5.40% | 5.00% | 5.10% | -55 bps | |
| Efficiency Ratio | 28.22% | 29.16% | 28.60% | 27.16% | 27.53% | 27.83% | 32.17% | 31.37% | +422 bps | |
| Non-Interest Burden | 1.50% | 1.63% | 1.50% | 1.45% | 1.46% | 1.42% | 1.52% | 1.51% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.32% | 0.72% | 13.14% | 0.16% | -1.98% | 17.15% | 6.27% | -5.77% | -593 bps | |
| Loan Growth (YoY) | -19.45% | -20.50% | -17.03% | -18.49% | -3.22% | -1.99% | -6.80% | 6.62% | +2,510 bps | |
| Deposit Growth (YoY) | 21.94% | 6.41% | 19.45% | -1.66% | -4.50% | 18.72% | 5.41% | -8.91% | -726 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.53% | 0.00% | 0.00% | 0.00% | 0.00% | -53 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.15% | 2.17% | 2.08% | 2.19% | 2.22% | 1.92% | 1.94% | 1.78% | -41 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 4.2x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.87% | 18.21% | 18.95% | 19.96% | 20.82% | 18.66% | 19.52% | 20.06% | +11 bps | |
| Total Risk-Based Capital | 18.87% | 18.21% | 18.95% | 19.96% | 20.82% | 18.66% | 19.52% | 20.06% | +11 bps | |
| Equity / Assets | 18.58% | 19.05% | 19.15% | 17.40% | 20.63% | 18.02% | 19.79% | 20.11% | +271 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.17% | 75.27% | 74.55% | 59.66% | 69.09% | 62.14% | 65.92% | 69.83% | +1,017 bps | |
| Liquid Assets / Assets | 42.54% | 37.46% | 37.76% | 36.94% | 42.80% | 46.76% | 44.84% | 42.00% | +505 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 109.90% | 118.25% | 121.76% | n/a | n/a | |