Clarks, NE · Cert 16953 · Clark Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 1.3% share · #16 of 22 inst. · $0.0B of $3.6B
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 | 0.35% | 0.33% | 1.09% | 0.69% | 0.45% | 0.35% | 0.25% | 0.29% | -40 bps | |
| Return on Equity | 3.76% | 3.61% | 12.92% | 8.19% | 5.22% | 3.98% | 2.71% | 3.02% | -517 bps | |
| Net Interest Margin | 3.72% | 3.31% | 4.50% | 4.24% | 3.98% | 3.87% | 3.90% | 3.90% | -34 bps | |
| Efficiency Ratio | 88.99% | 89.23% | 70.48% | 79.22% | 82.23% | 84.36% | 87.75% | 90.86% | +1,164 bps | |
| Non-Interest Burden | 3.29% | 2.93% | 3.11% | 3.32% | 3.24% | 3.24% | 3.39% | 3.52% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.17% | 27.62% | 20.44% | 22.17% | 6.42% | 8.73% | 8.65% | 0.61% | -2,156 bps | |
| Loan Growth (YoY) | 82.92% | 51.77% | 50.74% | 31.97% | 11.18% | 8.57% | 3.62% | -5.53% | -3,750 bps | |
| Deposit Growth (YoY) | 26.05% | 28.75% | 8.63% | 20.23% | -6.60% | -6.48% | 7.53% | -1.21% | -2,144 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.65% | 1.46% | 3.19% | 1.51% | 1.48% | 1.27% | 1.35% | 3.20% | +170 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | -0.02% | -0.02% | 0.02% | 0.10% | 0.02% | 0.03% | +5 bps | |
| Allowance / Loans | 1.37% | 1.38% | 1.37% | 1.35% | 1.39% | 1.46% | 1.55% | 1.61% | +26 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.4x | 0.9x | 0.9x | 1.2x | 1.1x | 0.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 8.19% | 8.43% | 8.48% | 9.47% | 9.24% | 9.29% | 9.79% | +131 bps | |
| Total Risk-Based Capital | 11.41% | 11.38% | 11.44% | 11.15% | 12.05% | 12.07% | 12.56% | 9.79% | -136 bps | |
| Equity / Assets | 8.20% | 8.24% | 8.64% | 8.46% | 9.33% | 9.20% | 9.40% | 9.94% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.26% | 86.16% | 98.17% | 94.34% | 103.86% | 100.03% | 94.60% | 90.22% | -412 bps | |
| Liquid Assets / Assets | 16.92% | 14.87% | 12.78% | 9.18% | 8.12% | 10.09% | 12.91% | 12.63% | +345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.62% | 108.31% | 118.51% | n/a | n/a | |