Ponca, NE · Cert 14912 · Kingsbury BDC Finl Services
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
25
Profitability
68
Liquidity
84
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ponca, NE · Cert 14912 · Kingsbury BDC Finl Services
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 0.2% share · #27 of 28 inst. · $0.0B of $4.6B
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 | 1.59% | 1.72% | 1.59% | 1.55% | 1.63% | 1.61% | 1.37% | 1.64% | +9 bps | |
| Return on Equity | 13.72% | 14.71% | 12.88% | 12.34% | 12.67% | 12.45% | 10.30% | 12.39% | +5 bps | |
| Net Interest Margin | 3.72% | 3.72% | 3.81% | 3.78% | 3.86% | 3.85% | 3.71% | 3.69% | -9 bps | |
| Efficiency Ratio | 51.25% | 49.77% | 51.00% | 51.61% | 51.15% | 51.99% | 55.75% | 50.02% | -159 bps | |
| Non-Interest Burden | 1.78% | 1.72% | 1.84% | 1.84% | 1.86% | 1.89% | 1.98% | 1.74% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.86% | 6.10% | 0.30% | 2.62% | 1.43% | 1.14% | 9.13% | 10.39% | +777 bps | |
| Loan Growth (YoY) | 6.91% | 4.12% | 2.34% | 0.84% | -0.32% | 2.71% | 3.85% | 6.38% | +554 bps | |
| Deposit Growth (YoY) | 4.57% | 5.42% | -1.37% | 1.06% | -0.24% | -0.56% | 8.90% | 10.22% | +916 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.48% | 2.54% | 2.58% | 2.47% | 2.03% | 1.94% | 1.97% | 2.04% | -43 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.13% | 0.00% | -0.02% | 0.12% | 0.10% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.29% | 1.31% | 1.30% | 1.29% | 1.20% | 1.19% | 1.20% | 1.13% | -17 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.5x | 0.6x | 0.6x | 0.6x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.09% | 13.05% | 13.68% | 13.50% | 14.09% | 14.11% | 13.81% | 13.29% | -20 bps | |
| Total Risk-Based Capital | 20.81% | 21.81% | 22.74% | 22.48% | 23.19% | 23.03% | 23.71% | 23.60% | +112 bps | |
| Equity / Assets | 12.16% | 11.97% | 12.78% | 13.05% | 13.58% | 13.42% | 13.10% | 13.24% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.35% | 76.92% | 78.62% | 81.54% | 81.28% | 79.46% | 74.98% | 78.70% | -284 bps | |
| Liquid Assets / Assets | 10.16% | 16.75% | 13.33% | 14.23% | 12.35% | 12.84% | 22.09% | 15.30% | +107 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 41.62% | 45.23% | 43.94% | n/a | n/a | |
Ponca, NE · Cert 14912 · Peer group: banks under $1B in assets in NE (n=83) · Kingsbury BDC Finl Services
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.60%
Rank 15 of 83
Net Interest Margin
3.69%
Rank 36 of 83
Efficiency Ratio
50.02%
Rank 19 of 83
Equity / Assets
13.24%
Rank 27 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.93% | 1.20% | 1.51% | Beats 82% | 15 / 83 | ||
| Return on Equity | 12.08% | 8.04% | 10.34% | 13.11% | Beats 66% | 28 / 83 | ||
| Net Interest Margin | 3.69% | 3.25% | 3.62% | 4.02% | Beats 57% | 36 / 83 | ||
| Efficiency Ratio | 50.02% | 51.13% | 59.95% | 67.19% | Beats 78% | 19 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.04% | 0.00% | 0.19% | 0.96% | Beats 10% | 76 / 83 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 39% | 52 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.22% | 10.94% | 13.24% | 16.62% | Beats 89% | 9 / 83 | ||
| Total Risk-Based Capital Ratio | 23.60% | 11.04% | 13.54% | 17.63% | Beats 92% | 7 / 83 | ||
| Equity / Assets | 13.24% | 9.90% | 11.31% | 13.84% | Beats 67% | 27 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.70% | 71.97% | 83.15% | 92.22% | 37th pctl | 52 / 83 | ||
| Loans / Assets | 67.54% | 57.96% | 69.15% | 77.64% | 45th pctl | 46 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||