Randolph, NE · Cert 15364 · First State Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.21% | 0.95% | 1.14% | 0.78% | -41 bps | |
| Return on Equity | 10.68% | 10.37% | 8.23% | 10.81% | 7.69% | -300 bps | |
| Net Interest Margin | 3.16% | 3.37% | 3.21% | 3.01% | 2.80% | -36 bps | |
| Efficiency Ratio | 57.18% | 58.85% | 66.12% | 59.26% | 67.27% | +1,009 bps | |
| Non-Interest Burden | 1.67% | 1.85% | 2.03% | 1.63% | 1.81% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.52% | 2.81% | 8.55% | 14.03% | 12.19% | +367 bps | |
| Loan Growth (YoY) | 12.12% | 6.93% | 5.30% | 17.60% | 11.53% | -59 bps | |
| Deposit Growth (YoY) | 4.80% | 1.20% | 11.31% | -0.11% | -0.54% | -535 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.74% | 1.72% | 1.65% | 1.47% | 1.55% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.72% | 12.17% | 11.91% | 11.04% | 10.53% | -120 bps | |
| Total Risk-Based Capital | 11.72% | 12.17% | 11.91% | 11.04% | 10.53% | -120 bps | |
| Equity / Assets | 11.34% | 11.91% | 11.10% | 9.98% | 10.35% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.59% | 101.86% | 99.55% | 116.16% | 110.56% | +1,197 bps | |
| Liquid Assets / Assets | 1.65% | 1.67% | 1.61% | 1.53% | 1.48% | -18 bps | |
| CRE / Total Capital | n/a | 53.02% | 56.81% | 45.23% | n/a | n/a | |