Potter State Bank of Potter, The
Potter, NE · Cert 17205 · Peer group: banks under $1B in assets in NE (n=85)
FDIC · 2 branches
Q4 2025
$53.6MAssets
$21.4MLoans
$47.3MDeposits
$6.0MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in NE (rank 32 of 85).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in NE (rank 82 of 85).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.99%
Rank 44 of 85
Net Interest Margin
3.34%
Rank 52 of 85
Efficiency Ratio
63.62%
Rank 42 of 85
Equity / Assets
11.22%
Rank 41 of 85
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 52% 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 | 0.99% | 0.79% | 1.00% | 1.25% | Beats 48% | 44 / 85 | | |
| Return on Equity | 8.84% | 7.42% | 8.56% | 11.26% | Beats 53% | 40 / 85 | | |
| Net Interest Margin | 3.34% | 3.15% | 3.44% | 3.82% | Beats 39% | 52 / 85 | | |
| Efficiency Ratio | 63.62% | 55.90% | 63.81% | 69.36% | Beats 52% | 42 / 85 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.85% | n/a | 0.15% | 0.64% | Beats 5% | 82 / 85 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.39% | 10.68% | 13.33% | 15.49% | Beats 53% | 40 / 85 | | |
| Total Risk-Based Capital Ratio | 13.39% | 11.22% | 13.39% | 16.16% | Beats 49% | 43 / 85 | | |
| Equity / Assets | 11.22% | 9.75% | 11.06% | 13.74% | Beats 52% | 41 / 85 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.25% | 71.84% | 83.57% | 94.15% | 6th pctl | 80 / 85 | | |
| Loans / Assets | 39.89% | 58.72% | 69.56% | 76.65% | 6th pctl | 80 / 85 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | 1.40% | 8.08% | Beats 100% | 32 / 85 | | |