Bank of Orchard
Orchard, NE · Cert 16905 · Peer group: banks under $1B in assets in NE (n=89)
FDIC · 1 branch
Q3 2024
$32.8MAssets
$10.2MLoans
$28.2MDeposits
$4.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 32 of 89).
- Widest gap: net interest margin trails 58% of banks under $1B in assets in NE (rank 52 of 89).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.33%
Rank 19 of 89
Net Interest Margin
3.06%
Rank 52 of 89
Efficiency Ratio
57.43%
Rank 25 of 89
Equity / Assets
13.45%
Rank 23 of 89
Non-interest income vs. expense
Unfavorable gap of $537K · efficiency ratio beats 73% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.33% | 0.58% | 0.93% | 1.24% | Beats 79% | 19 / 89 | | |
| Return on Equity | 9.92% | 5.73% | 8.15% | 10.70% | Beats 65% | 31 / 89 | | |
| Net Interest Margin | 3.06% | 2.80% | 3.21% | 3.69% | Beats 42% | 52 / 89 | | |
| Efficiency Ratio | 57.43% | 55.80% | 66.67% | 75.88% | Beats 73% | 25 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | n/a | 0.08% | 0.48% | Beats 100% | 32 / 89 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 89 | | |
| Capital |
| Tier 1 Capital Ratio | 13.19% | 10.60% | 12.86% | 16.19% | Beats 55% | 40 / 89 | | |
| Total Risk-Based Capital Ratio | 13.19% | 10.67% | 13.19% | 16.94% | Beats 49% | 45 / 89 | | |
| Equity / Assets | 13.45% | 9.17% | 11.05% | 13.45% | Beats 74% | 23 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.11% | 69.37% | 81.96% | 92.14% | 0th pctl | 89 / 89 | | |
| Loans / Assets | 31.12% | 54.69% | 65.72% | 75.13% | 2nd pctl | 87 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |