Fremont, NE · Cert 17639 · First State Fremont Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
46
Profitability
85
Liquidity
82
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fremont, NE · Cert 17639 · First State Fremont Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.3% share · #38 of 77 inst. · $0.1B of $42.7B
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 | 1.16% | 1.12% | 1.22% | 1.36% | 1.44% | 1.39% | 1.44% | 1.59% | +23 bps | |
| Return on Equity | 11.59% | 11.23% | 12.26% | 13.75% | 14.39% | 13.77% | 13.81% | 15.26% | +152 bps | |
| Net Interest Margin | 3.66% | 3.69% | 3.83% | 3.94% | 3.92% | 3.99% | 4.13% | 4.21% | +26 bps | |
| Efficiency Ratio | 61.30% | 62.76% | 60.14% | 59.45% | 58.31% | 60.81% | 60.42% | 57.64% | -181 bps | |
| Non-Interest Burden | 1.91% | 2.00% | 1.98% | 2.01% | 1.94% | 2.09% | 2.16% | 2.07% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.72% | 4.29% | 6.63% | 9.33% | 7.45% | 6.61% | 4.27% | 3.40% | -593 bps | |
| Loan Growth (YoY) | 7.28% | 4.29% | 5.19% | 9.24% | 9.85% | 8.19% | 6.08% | 3.57% | -567 bps | |
| Deposit Growth (YoY) | 5.68% | 4.08% | 6.56% | 9.49% | 7.47% | 5.77% | 3.81% | 2.52% | -697 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.21% | 0.52% | 0.20% | 0.06% | 0.10% | 0.19% | 0.16% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.01% | 0.00% | 0.05% | 0.04% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.67% | 1.74% | 1.74% | 1.64% | 1.62% | 1.62% | 1.67% | 1.61% | -2 bps | |
| Allowance Coverage of NPLs | 13.4x | 8.3x | 3.4x | 8.2x | 25.1x | 16.3x | 8.6x | 10.2x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.49% | 9.43% | 9.45% | 9.53% | 9.41% | 9.55% | 9.55% | 9.77% | +24 bps | |
| Total Risk-Based Capital | 9.49% | 9.43% | 9.45% | 9.53% | 9.41% | 9.55% | 9.55% | 9.77% | +24 bps | |
| Equity / Assets | 10.30% | 9.83% | 10.04% | 9.81% | 10.29% | 10.44% | 10.38% | 10.44% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.13% | 85.00% | 83.89% | 85.56% | 87.02% | 86.95% | 85.72% | 86.43% | +87 bps | |
| Liquid Assets / Assets | 2.47% | 1.82% | 3.30% | 2.96% | 1.82% | 1.50% | 2.11% | 2.03% | -94 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 349% | 340% | 339% | n/a | n/a | |
Fremont, NE · Cert 17639 · Peer group: banks under $1B in assets in NE (n=83) · First State Fremont Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
1.56%
Rank 16 of 83
Net Interest Margin
4.21%
Rank 11 of 83
Efficiency Ratio
57.90%
Rank 36 of 83
Equity / Assets
10.44%
Rank 54 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.93% | 1.20% | 1.51% | Beats 81% | 16 / 83 | ||
| Return on Equity | 14.98% | 8.04% | 10.34% | 13.11% | Beats 88% | 10 / 83 | ||
| Net Interest Margin | 4.21% | 3.25% | 3.62% | 4.02% | Beats 87% | 11 / 83 | ||
| Efficiency Ratio | 57.90% | 51.13% | 59.95% | 67.19% | Beats 58% | 36 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.00% | 0.19% | 0.96% | Beats 55% | 38 / 83 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 36% | 54 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.77% | 10.94% | 13.24% | 16.62% | Beats 11% | 74 / 83 | ||
| Total Risk-Based Capital Ratio | 9.77% | 11.04% | 13.54% | 17.63% | Beats 11% | 74 / 83 | ||
| Equity / Assets | 10.44% | 9.90% | 11.31% | 13.84% | Beats 35% | 54 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.43% | 71.97% | 83.15% | 92.22% | 60th pctl | 33 / 83 | ||
| Loans / Assets | 76.78% | 57.96% | 69.15% | 77.64% | 72nd pctl | 23 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||