Columbus, NE · Cert 15010 · Colbank Bcorp
State charter, non-member · FDIC · 2 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
14
Asset Quality
53
Profitability
60
Liquidity
0
Efficiency
71
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.
Columbus, NE · Cert 15010 · Colbank Bcorp
State charter, non-member · FDIC · 2 branches
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.98% | 0.95% | 1.03% | 1.13% | 1.15% | 1.41% | 1.31% | +28 bps | |
| Return on Equity | 11.02% | 10.61% | 10.27% | 10.99% | 12.03% | 12.13% | 14.35% | 13.19% | +220 bps | |
| Net Interest Margin | 3.37% | 3.27% | 3.32% | 3.42% | 3.41% | 3.43% | 3.56% | 3.61% | +20 bps | |
| Efficiency Ratio | 59.07% | 60.11% | 59.60% | 58.54% | 55.89% | 55.90% | 50.15% | 52.43% | -611 bps | |
| Non-Interest Burden | 1.92% | 1.90% | 1.91% | 1.93% | 1.83% | 1.84% | 1.61% | 1.77% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.47% | 16.95% | 10.93% | 10.95% | 9.93% | 7.19% | 8.09% | 4.23% | -673 bps | |
| Loan Growth (YoY) | 23.13% | 21.50% | 10.94% | 10.79% | 10.09% | 4.77% | 8.41% | 3.93% | -685 bps | |
| Deposit Growth (YoY) | 9.49% | 21.60% | 21.24% | 19.75% | 14.28% | 6.32% | 3.27% | 0.28% | -1,947 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.11% | 0.09% | 0.04% | 0.00% | 0.07% | 0.07% | -2 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.04% | -0.01% | -0.02% | -0.06% | -0.05% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.18% | 1.16% | 1.24% | 1.25% | 1.28% | 1.32% | 1.35% | 1.41% | +16 bps | |
| Allowance Coverage of NPLs | 38.0x | 48.7x | 11.5x | 13.5x | 31.7x | n/a | 19.4x | 20.0x | +6.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 9.20% | 8.64% | 8.94% | 8.99% | 9.24% | 9.17% | 9.47% | +54 bps | |
| Total Risk-Based Capital | 9.06% | 9.20% | 8.64% | 8.94% | 11.78% | 9.24% | 9.17% | 9.47% | +54 bps | |
| Equity / Assets | 9.31% | 9.27% | 9.32% | 9.44% | 9.52% | 9.76% | 9.85% | 10.12% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.87% | 104.99% | 97.23% | 98.63% | 104.87% | 103.47% | 102.07% | 102.22% | +359 bps | |
| Liquid Assets / Assets | 1.47% | 1.23% | 1.23% | 1.20% | 1.14% | 1.38% | 1.35% | 1.26% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 268% | 257% | 236% | n/a | n/a | |
Columbus, NE · Cert 15010 · Peer group: banks under $1B in assets in NE (n=83) · Colbank Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.32%
Rank 32 of 83
Net Interest Margin
3.61%
Rank 43 of 83
Efficiency Ratio
52.43%
Rank 25 of 83
Equity / Assets
10.12%
Rank 59 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.93% | 1.20% | 1.51% | Beats 61% | 32 / 83 | ||
| Return on Equity | 13.00% | 8.04% | 10.34% | 13.11% | Beats 72% | 23 / 83 | ||
| Net Interest Margin | 3.61% | 3.25% | 3.62% | 4.02% | Beats 48% | 43 / 83 | ||
| Efficiency Ratio | 52.43% | 51.13% | 59.95% | 67.19% | Beats 71% | 25 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.19% | 0.96% | Beats 63% | 32 / 83 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 42% | 49 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.47% | 10.94% | 13.24% | 16.62% | Beats 7% | 77 / 83 | ||
| Total Risk-Based Capital Ratio | 9.47% | 11.04% | 13.54% | 17.63% | Beats 7% | 77 / 83 | ||
| Equity / Assets | 10.12% | 9.90% | 11.31% | 13.84% | Beats 29% | 59 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.22% | 71.97% | 83.15% | 92.22% | 90th pctl | 8 / 83 | ||
| Loans / Assets | 81.43% | 57.96% | 69.15% | 77.64% | 86th pctl | 12 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||