Clarkson, NE · Cert 14581 · Clarkson Bancshares LLC
State charter, non-member · FDIC · 1 branch
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 | 1.26% | 1.35% | 1.31% | 1.61% | 1.71% | +45 bps | |
| Return on Equity | 12.95% | 13.60% | 13.14% | 15.63% | 16.74% | +379 bps | |
| Net Interest Margin | 2.94% | 3.09% | 3.06% | 3.43% | 3.45% | +51 bps | |
| Efficiency Ratio | 51.92% | 49.69% | 51.14% | 47.09% | 45.66% | -626 bps | |
| Non-Interest Burden | 1.48% | 1.49% | 1.52% | 1.57% | 1.53% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | 1.05% | 7.92% | 2.42% | 10.05% | +639 bps | |
| Loan Growth (YoY) | 10.75% | 14.98% | 17.52% | 28.26% | 22.01% | +1,126 bps | |
| Deposit Growth (YoY) | 2.66% | -1.22% | -0.18% | 1.50% | 10.30% | +763 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.28% | 0.22% | 0.21% | 0.19% | -14 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 2.51% | 2.30% | 2.02% | 2.05% | 2.06% | -45 bps | |
| Allowance Coverage of NPLs | 7.5x | 8.3x | 9.0x | 9.7x | 10.6x | +3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.29% | 11.56% | 11.25% | 11.20% | 11.04% | -24 bps | |
| Total Risk-Based Capital | 11.29% | 11.56% | 11.25% | 11.20% | 11.04% | -24 bps | |
| Equity / Assets | 10.02% | 10.67% | 10.10% | 10.47% | 10.08% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.48% | 62.71% | 72.50% | 66.11% | 61.37% | +589 bps | |
| Liquid Assets / Assets | 7.77% | 2.08% | 1.94% | 3.41% | 11.47% | +370 bps | |
| CRE / Total Capital | n/a | 40.60% | 40.72% | 41.53% | n/a | n/a | |