Butte, NE · Cert 16110
State charter, Fed member · 2 branches
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.77% | 0.79% | 0.79% | 0.64% | -1 bps | |
| Return on Equity | 7.33% | 8.47% | 8.56% | 8.39% | 6.67% | -66 bps | |
| Net Interest Margin | 3.07% | 3.15% | 3.22% | 3.26% | 3.55% | +48 bps | |
| Efficiency Ratio | 75.92% | 72.52% | 72.27% | 72.25% | 77.84% | +192 bps | |
| Non-Interest Burden | 2.24% | 2.18% | 2.22% | 2.25% | 2.67% | +43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.89% | -0.02% | 1.42% | -0.19% | 1.91% | +101 bps | |
| Loan Growth (YoY) | -0.94% | 1.09% | 3.01% | -1.25% | 7.77% | +871 bps | |
| Deposit Growth (YoY) | 0.21% | -2.77% | -0.27% | -1.80% | 2.75% | +254 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.07% | 0.46% | +46 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.00% | -0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.11% | 1.08% | 1.07% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 16.3x | 2.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.70% | 10.81% | 10.85% | 11.25% | 10.66% | -5 bps | |
| Total Risk-Based Capital | 10.70% | 10.81% | 10.85% | 11.25% | 10.66% | -5 bps | |
| Equity / Assets | 9.02% | 9.64% | 9.60% | 10.09% | 9.03% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.85% | 73.87% | 73.29% | 75.74% | 72.21% | +337 bps | |
| Liquid Assets / Assets | 0.25% | 0.72% | 0.28% | 0.22% | 0.30% | +6 bps | |
| CRE / Total Capital | n/a | n/a | 59.59% | 41.81% | 48.55% | n/a | |