Kimball, NE · Cert 17478 · Firstier Bcorp
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Cheyenne, WY · 2026 SOD (annual) · 5.6% share · #9 of 19 inst. · $0.2B of $3.2B
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 | 1.49% | 1.48% | 1.04% | 0.97% | 0.56% | 0.27% | 0.60% | 0.61% | -36 bps | |
| Return on Equity | 11.93% | 11.63% | 7.85% | 7.65% | 4.54% | 2.24% | 5.40% | 5.40% | -225 bps | |
| Net Interest Margin | 4.00% | 4.22% | 3.84% | 3.69% | 3.59% | 3.49% | 3.14% | 3.31% | -38 bps | |
| Efficiency Ratio | 48.91% | 50.51% | 61.19% | 61.25% | 63.02% | 67.98% | 88.71% | 81.84% | +2,059 bps | |
| Non-Interest Burden | 1.89% | 2.07% | 2.30% | 2.22% | 2.21% | 2.30% | 2.77% | 2.67% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.54% | -2.63% | 1.57% | 10.02% | 16.63% | 18.60% | 14.83% | 0.13% | -989 bps | |
| Loan Growth (YoY) | 1.75% | 1.71% | 0.07% | 3.36% | 4.92% | 1.59% | 2.95% | 2.05% | -131 bps | |
| Deposit Growth (YoY) | -3.63% | -5.66% | 1.06% | 8.10% | 15.74% | 22.44% | 16.21% | -1.23% | -933 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.29% | 4.21% | 4.10% | 3.51% | 7.84% | 4.73% | 6.81% | 4.51% | +101 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.05% | 0.16% | 0.19% | 0.67% | -0.02% | -0.01% | -16 bps | |
| Allowance / Loans | 1.54% | 1.55% | 1.58% | 1.56% | 1.99% | 2.00% | 1.86% | 1.85% | +29 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.4x | 0.4x | 0.4x | 0.3x | 0.4x | 0.3x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.77% | 13.77% | 13.45% | 12.21% | 11.72% | 11.24% | 11.13% | 11.43% | -78 bps | |
| Total Risk-Based Capital | 15.43% | 15.67% | 15.77% | 14.78% | 14.58% | 14.10% | 14.40% | 14.60% | -19 bps | |
| Equity / Assets | 13.15% | 13.47% | 13.00% | 11.84% | 11.55% | 11.22% | 11.03% | 11.72% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.26% | 102.97% | 94.50% | 89.52% | 89.08% | 85.44% | 83.72% | 92.50% | +297 bps | |
| Liquid Assets / Assets | 1.67% | 1.17% | 0.95% | 0.89% | 0.86% | 1.12% | 1.80% | 2.84% | +195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 404% | 420% | 427% | n/a | n/a | |