Boelus, NE · Cert 17825
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 0.6% share · #20 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 | 1.45% | 1.53% | 1.13% | 1.52% | 1.41% | 1.19% | 1.28% | 1.34% | -19 bps | |
| Return on Equity | 10.51% | 10.91% | 7.59% | 10.29% | 9.49% | 7.99% | 8.73% | 9.03% | -127 bps | |
| Net Interest Margin | 3.57% | 3.53% | 2.90% | 3.01% | 3.01% | 2.92% | 2.75% | 2.72% | -28 bps | |
| Efficiency Ratio | 38.34% | 46.57% | 40.49% | 37.61% | 43.58% | 51.47% | 40.83% | 41.30% | +369 bps | |
| Non-Interest Burden | 1.28% | 1.57% | 1.12% | 1.09% | 1.28% | 1.45% | 1.08% | 1.11% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.12% | -0.27% | 1.44% | -0.51% | 8.84% | 5.98% | 11.55% | 4.28% | +479 bps | |
| Loan Growth (YoY) | -5.42% | 2.65% | 13.54% | 7.03% | 9.56% | -2.67% | 1.34% | 5.56% | -147 bps | |
| Deposit Growth (YoY) | -1.56% | -1.76% | 0.23% | -1.92% | 9.21% | 5.78% | 12.41% | 3.88% | +580 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 4.32% | 3.86% | 3.28% | 3.45% | 3.94% | 3.96% | 3.22% | 3.27% | -18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.55% | 15.09% | 15.33% | 15.07% | 15.12% | 15.13% | 14.99% | 14.99% | -8 bps | |
| Total Risk-Based Capital | 14.55% | 38.24% | 35.40% | 36.92% | 15.12% | 41.91% | 14.99% | 14.99% | -2,193 bps | |
| Equity / Assets | 14.80% | 14.89% | 14.81% | 14.76% | 14.93% | 15.11% | 14.32% | 15.13% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.34% | 28.71% | 33.21% | 30.37% | 26.42% | 26.42% | 29.94% | 30.86% | +49 bps | |
| Liquid Assets / Assets | 73.99% | 69.14% | 68.04% | 70.91% | 75.86% | 74.54% | 71.73% | 71.08% | +17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.31% | 1.16% | 0.97% | n/a | n/a | |