Fredericktown, MO · Cert 14546 · New Era Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.56% | 1.39% | 1.98% | 2.07% | 2.12% | 1.85% | 2.01% | +3 bps | |
| Return on Equity | 12.96% | 11.84% | 10.62% | 14.86% | 15.06% | 15.02% | 13.09% | 14.36% | -50 bps | |
| Net Interest Margin | 3.53% | 3.67% | 3.61% | 3.93% | 3.89% | 3.99% | 3.97% | 4.03% | +10 bps | |
| Efficiency Ratio | 46.10% | 44.34% | 43.90% | 37.63% | 41.77% | 42.06% | 47.31% | 42.74% | +511 bps | |
| Non-Interest Burden | 1.25% | 1.22% | 1.22% | 0.81% | 1.22% | 1.27% | 1.51% | 1.29% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 3.48% | 1.87% | 3.39% | 5.43% | 3.11% | 3.54% | 4.49% | +110 bps | |
| Loan Growth (YoY) | 4.22% | 3.44% | -1.38% | -5.16% | -4.56% | -2.75% | -0.06% | 3.22% | +838 bps | |
| Deposit Growth (YoY) | -1.06% | 2.49% | 0.58% | 2.22% | 4.63% | 1.76% | 2.53% | 3.88% | +166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.80% | 3.25% | 2.83% | 0.79% | 0.78% | 0.04% | 0.02% | -280 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.56% | 0.06% | -0.03% | 0.01% | 0.01% | 0.47% | 0.03% | +6 bps | |
| Allowance / Loans | 0.94% | 0.97% | 1.23% | 1.53% | 1.51% | 1.48% | 1.38% | 1.40% | -13 bps | |
| Allowance Coverage of NPLs | 5.8x | 1.2x | 0.4x | 0.5x | 1.9x | 1.9x | 32.7x | 58.4x | +57.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.78% | 12.92% | 12.86% | 13.04% | 13.34% | 13.48% | 13.88% | 13.98% | +94 bps | |
| Total Risk-Based Capital | 12.78% | 12.92% | 12.86% | 13.04% | 13.34% | 13.48% | 13.88% | 13.98% | +94 bps | |
| Equity / Assets | 13.20% | 13.11% | 13.12% | 13.57% | 13.92% | 14.27% | 13.95% | 14.06% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.89% | 71.48% | 67.83% | 66.01% | 66.49% | 68.31% | 66.11% | 65.59% | -42 bps | |
| Liquid Assets / Assets | 5.87% | 5.74% | 6.22% | 12.25% | 9.36% | 7.30% | 8.64% | 9.81% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.28% | 189.51% | 176.35% | n/a | n/a | |