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 (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 | 1.44% | 2.10% | 1.59% | 1.52% | 1.78% | 1.58% | 1.37% | 1.90% | +38 bps | |
| Return on Equity | 12.08% | 17.40% | 12.88% | 11.80% | 13.36% | 11.73% | 10.30% | 14.43% | +263 bps | |
| Net Interest Margin | 3.76% | 4.00% | 3.81% | 3.85% | 3.93% | 3.95% | 3.71% | 3.87% | +3 bps | |
| Efficiency Ratio | 55.63% | 45.73% | 51.00% | 52.19% | 50.26% | 54.44% | 55.75% | 44.82% | -737 bps | |
| Non-Interest Burden | 1.95% | 1.69% | 1.84% | 1.90% | 1.86% | 2.05% | 1.98% | 1.62% | -28 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 | -0.05% | -0.45% | 0.00% | -0.03% | 0.39% | 0.03% | 0.00% | 0.00% | +2 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 | |