Henderson State Bank
Henderson, NE · Cert 17229 · Peer group: banks under $1B in assets in NE (n=83) · Henderson State Co.
State charter, non-member · FDIC · 12 branches
Q2 2026
$678.5MAssets
$562.8MLoans
$510.7MDeposits
$68.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 90% of banks under $1B in assets in NE (rank 8 of 83).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in NE (rank 68 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.51%
Rank 21 of 83
Net Interest Margin
3.73%
Rank 33 of 83
Efficiency Ratio
45.17%
Rank 11 of 83
Equity / Assets
10.02%
Rank 62 of 83
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 88% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.51% | 0.93% | 1.20% | 1.51% | Beats 75% | 21 / 83 | |
| Return on Equity | 15.10% | 8.04% | 10.34% | 13.11% | Beats 90% | 8 / 83 | |
| Net Interest Margin | 3.73% | 3.25% | 3.62% | 4.02% | Beats 60% | 33 / 83 | |
| Efficiency Ratio | 45.17% | 51.13% | 59.95% | 67.19% | Beats 88% | 11 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.00% | 0.19% | 0.96% | Beats 41% | 50 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 49% | 43 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 10.41% | 10.94% | 13.24% | 16.62% | Beats 18% | 68 / 83 | |
| Total Risk-Based Capital Ratio | 10.41% | 11.04% | 13.54% | 17.63% | Beats 18% | 68 / 83 | |
| Equity / Assets | 10.02% | 9.90% | 11.31% | 13.84% | Beats 25% | 62 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 110.19% | 71.97% | 83.15% | 92.22% | 93rd pctl | 6 / 83 | |
| Loans / Assets | 82.95% | 57.96% | 69.15% | 77.64% | 90th pctl | 8 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |