Columbus, NE · Cert 15010 · Colbank Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 1.05% | 0.87% | 0.95% | 1.11% | 1.34% | 1.19% | 1.41% | 1.21% | +10 bps | |
| Return on Equity | 11.43% | 9.41% | 10.27% | 11.80% | 14.09% | 12.33% | 14.35% | 12.09% | +29 bps | |
| Net Interest Margin | 3.47% | 3.35% | 3.32% | 3.53% | 3.62% | 3.65% | 3.56% | 3.62% | +9 bps | |
| Efficiency Ratio | 58.04% | 63.12% | 59.60% | 57.55% | 51.07% | 55.92% | 50.15% | 54.83% | -271 bps | |
| Non-Interest Burden | 1.94% | 2.05% | 1.91% | 1.95% | 1.76% | 1.97% | 1.61% | 1.91% | -4 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 | -0.20% | 0.00% | -0.01% | -0.02% | -0.14% | -0.02% | -0.01% | -0.02% | 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 | |