Norfolk, NE · Cert 16553 · Feo Investments Inc.
State charter, non-member · FDIC · 8 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
39
Profitability
40
Liquidity
44
Efficiency
92
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.
Norfolk, NE · Cert 16553 · Feo Investments Inc.
State charter, non-member · FDIC · 8 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 | 0.73% | 0.77% | 1.03% | 1.09% | 1.15% | 1.16% | 1.42% | 1.25% | +16 bps | |
| Return on Equity | 7.79% | 8.21% | 10.93% | 11.37% | 11.88% | 11.87% | 13.62% | 12.11% | +74 bps | |
| Net Interest Margin | 2.30% | 2.32% | 2.86% | 2.89% | 2.89% | 2.89% | 3.19% | 3.22% | +33 bps | |
| Efficiency Ratio | 59.21% | 58.21% | 53.24% | 53.00% | 51.65% | 51.96% | 46.13% | 45.00% | -800 bps | |
| Non-Interest Burden | 1.21% | 1.21% | 1.37% | 1.37% | 1.33% | 1.34% | 1.23% | 1.23% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.23% | 9.25% | 9.13% | 5.36% | 4.83% | 4.16% | 4.36% | 8.57% | +321 bps | |
| Loan Growth (YoY) | 14.56% | 13.62% | 10.26% | 6.38% | 4.00% | 3.84% | 6.11% | 9.08% | +270 bps | |
| Deposit Growth (YoY) | 8.11% | 7.47% | 8.48% | 6.03% | 8.68% | 4.60% | 1.08% | 1.97% | -406 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.15% | 0.58% | 0.63% | 0.67% | 0.64% | 0.89% | 0.39% | -24 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.09% | 0.21% | 0.12% | 0.08% | 0.14% | 0.00% | 0.36% | +25 bps | |
| Allowance / Loans | 1.22% | 1.26% | 1.26% | 1.29% | 1.32% | 1.29% | 1.35% | 1.37% | +8 bps | |
| Allowance Coverage of NPLs | 7.5x | 8.7x | 2.2x | 2.1x | 2.0x | 2.0x | 1.5x | 3.5x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 9.64% | 9.84% | 10.10% | 9.93% | 10.13% | 10.43% | 10.49% | +39 bps | |
| Total Risk-Based Capital | 13.03% | 13.19% | 13.52% | 13.82% | 13.89% | 13.83% | 14.16% | 14.15% | +33 bps | |
| Equity / Assets | 9.46% | 9.30% | 9.61% | 9.84% | 9.95% | 10.30% | 10.48% | 10.26% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.92% | 91.23% | 88.05% | 90.79% | 88.92% | 90.57% | 92.44% | 97.12% | +633 bps | |
| Liquid Assets / Assets | 0.63% | 0.41% | 0.93% | 0.46% | 1.77% | 0.50% | 0.73% | 0.98% | +52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 252% | 256% | 255% | n/a | n/a | |
Norfolk, NE · Cert 16553 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Feo Investments Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.22%
Rank 92 of 176
Net Interest Margin
3.22%
Rank 137 of 176
Efficiency Ratio
45.06%
Rank 15 of 176
Equity / Assets
10.26%
Rank 92 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.93% | 1.26% | 1.54% | Beats 48% | 92 / 176 | ||
| Return on Equity | 11.86% | 9.26% | 11.89% | 14.46% | Beats 49% | 90 / 176 | ||
| Net Interest Margin | 3.22% | 3.25% | 3.59% | 3.93% | Beats 22% | 137 / 176 | ||
| Efficiency Ratio | 45.06% | 52.79% | 59.55% | 67.66% | Beats 92% | 15 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.30% | 0.64% | 1.32% | Beats 67% | 59 / 176 | ||
| Net Charge-Offs / Loans | 0.19% | 0.01% | 0.04% | 0.10% | Beats 11% | 157 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.90% | 11.15% | 12.72% | 14.15% | Beats 53% | 83 / 176 | ||
| Total Risk-Based Capital Ratio | 14.15% | 11.81% | 13.63% | 15.33% | Beats 60% | 71 / 176 | ||
| Equity / Assets | 10.26% | 9.16% | 10.35% | 11.80% | Beats 48% | 92 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.12% | 80.94% | 89.73% | 97.21% | 74th pctl | 45 / 176 | ||
| Loans / Assets | 72.88% | 69.25% | 75.12% | 80.82% | 39th pctl | 108 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||