Milford, NE · Cert 16810 · Country Bank Shares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 4.0% share · #7 of 33 inst. · $0.6B of $16.1B
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 | 0.98% | 0.87% | 0.72% | 0.87% | 0.90% | -8 bps | |
| Return on Equity | 13.71% | 11.37% | 8.57% | 10.53% | 10.97% | -274 bps | |
| Net Interest Margin | 2.21% | 2.10% | 2.34% | 2.06% | 2.09% | -13 bps | |
| Efficiency Ratio | 55.00% | 60.75% | 66.70% | 53.13% | 53.64% | -136 bps | |
| Non-Interest Burden | 1.02% | 1.10% | 1.48% | 1.00% | 1.02% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.70% | 4.13% | 2.15% | 7.38% | 8.44% | +174 bps | |
| Loan Growth (YoY) | -7.27% | -8.39% | -4.06% | -3.01% | -1.44% | +582 bps | |
| Deposit Growth (YoY) | 8.24% | 3.34% | 1.89% | 7.18% | 7.03% | -121 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.41% | 0.41% | 0.39% | 0.42% | 0.41% | +1 bps | |
| Allowance Coverage of NPLs | 965.0x | 13.2x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.73% | 11.01% | 11.15% | 10.74% | 10.64% | -9 bps | |
| Total Risk-Based Capital | 22.34% | 21.80% | 22.40% | 23.81% | 21.45% | -89 bps | |
| Equity / Assets | 7.04% | 8.20% | 8.51% | 8.10% | 8.35% | +131 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.55% | 29.25% | 29.77% | 26.18% | 26.29% | -226 bps | |
| Liquid Assets / Assets | 1.91% | 0.71% | 2.78% | 2.43% | 2.29% | +38 bps | |
| CRE / Total Capital | n/a | 17.86% | 17.14% | 17.25% | n/a | n/a | |