West Point, NE · Cert 14922 · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 6 affiliate banks · 6 branches (43 in holding)
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 2.4% share · #12 of 28 inst. · $0.1B 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 | 1.38% | 1.31% | 1.41% | 1.44% | 1.16% | 1.30% | 1.24% | 1.70% | +26 bps | |
| Return on Equity | 12.21% | 12.05% | 13.10% | 12.52% | 9.64% | 11.74% | 11.85% | 15.03% | +251 bps | |
| Net Interest Margin | 3.84% | 3.81% | 3.89% | 4.08% | 4.19% | 4.04% | 3.87% | 4.09% | +1 bps | |
| Efficiency Ratio | 59.79% | 65.49% | 60.83% | 60.28% | 67.96% | 64.65% | 63.88% | 56.68% | -360 bps | |
| Non-Interest Burden | 1.91% | 2.16% | 1.99% | 2.09% | 2.53% | 2.27% | 2.12% | 1.84% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | 2.52% | 1.54% | 1.75% | -1.77% | 6.20% | 4.48% | 4.65% | +289 bps | |
| Loan Growth (YoY) | 10.06% | 3.00% | 6.79% | 2.75% | 6.15% | 4.45% | 2.93% | 5.72% | +297 bps | |
| Deposit Growth (YoY) | -0.18% | 4.63% | 3.33% | 1.58% | -2.67% | 5.65% | 4.39% | 4.92% | +334 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.00% | 0.08% | 0.33% | 0.13% | 0.11% | 0.19% | 0.07% | -26 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.00% | 0.00% | 0.35% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.19% | 1.21% | 1.30% | 1.33% | 1.21% | 1.25% | 1.27% | -3 bps | |
| Allowance Coverage of NPLs | 23.7x | n/a | 15.1x | 3.9x | 10.2x | 11.4x | 6.5x | 17.2x | +13.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.79% | 10.65% | 11.10% | 11.74% | 12.35% | 10.70% | 11.10% | 11.76% | +2 bps | |
| Total Risk-Based Capital | 11.79% | 10.65% | 11.10% | 11.74% | 12.35% | 10.70% | 11.10% | 11.76% | +2 bps | |
| Equity / Assets | 11.37% | 10.34% | 11.14% | 11.84% | 12.18% | 10.07% | 10.93% | 11.65% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.17% | 90.39% | 94.34% | 94.44% | 96.17% | 89.36% | 93.02% | 95.16% | +72 bps | |
| Liquid Assets / Assets | 5.98% | 3.56% | 2.46% | 5.64% | 5.86% | 12.94% | 9.64% | 5.43% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 199.68% | 225% | 210% | n/a | n/a | |