PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nebraska Bank

Dodge, NE · Cert 16116 · Farmers State Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$551.6MAssets
$390.5MLoans
$466.9MDeposits
$60.8MEquity
Loan mix
85%RE $224.8M12%C&I $33.0M3%Consumer $8.1MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $390.2M16%Noninterest $76.7MQ3 2024Q2 2026

Market Position · Lincoln, NE · 2026 SOD (annual) · 0.1% share · #27 of 33 inst. · $0.0B of $16.1B

5.9% Dodge
29.8% Box Butte
31.7% Morrill
15.7% Dawes

Executive Summary

  • Earnings: ROA of 0.96%, down 1 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.43% of loans (-50 bps YoY), with net charge-offs at 0.56%.
  • Capital: tier 1 leverage ratio of 11.39%, up 217 bps from a year ago.
  • Funding: loans stand at 83.65% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.96%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-2 bps YoY

Efficiency Ratio (quarter, annualized)

63.16%+65 bps YoY

Tier 1 Leverage Ratio

11.39%+217 bps YoY

NIM

6.07%Q2 ’245.95%Q2 ’255.76%Q2 ’26+9%0%

Non-interest income vs. expense

2.46%Q2 ’242.46%Q2 ’252.56%Q2 ’26+3%-1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.73%0.82%0.97%1.06%1.18%0.92%0.96%-1 bps
Return on Equity7.88%7.87%8.93%10.65%11.49%12.48%9.57%9.21%-144 bps
Net Interest Margin3.73%3.72%3.65%3.80%3.81%3.85%3.80%3.78%-2 bps
Efficiency Ratio65.80%66.37%68.03%62.51%62.27%60.39%68.64%63.16%+65 bps
Non-Interest Burden2.41%2.47%2.41%2.30%2.26%2.20%2.51%2.27%-3 bps
Growth
Asset Growth (YoY)4.34%2.54%2.15%4.57%6.28%7.93%13.25%17.77%+1,320 bps
Loan Growth (YoY)0.86%0.85%1.21%-1.73%1.19%2.82%12.34%16.96%+1,870 bps
Deposit Growth (YoY)2.25%2.27%1.80%3.36%5.94%5.86%10.35%17.81%+1,444 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.20%1.04%0.93%0.83%0.64%0.86%0.43%-50 bps
Net Charge-Offs / Loans0.88%-0.06%0.06%0.02%0.00%0.59%0.33%0.56%+54 bps
Allowance / Loans1.02%1.13%1.18%1.29%1.30%1.16%1.01%0.96%-33 bps
Allowance Coverage of NPLs4.6x5.6x1.1x1.4x1.6x1.8x1.2x2.3x+0.9x
Capital
Tier 1 Leverage Ratio9.23%9.29%9.31%9.22%9.14%9.39%10.02%11.39%+217 bps
Total Risk-Based Capital9.23%9.29%9.31%9.22%9.14%9.39%10.02%11.39%+217 bps
Equity / Assets9.37%9.20%9.25%9.04%9.39%9.51%9.80%11.02%+198 bps
Liquidity & Funding
Loans / Deposits91.22%90.61%88.83%84.25%87.13%88.01%90.43%83.65%-60 bps
Liquid Assets / Assets3.91%3.94%4.39%9.97%5.15%3.90%3.61%3.78%-619 bps
CRE / Total Capitaln/an/an/an/a273%278%257%n/an/a