Westside, IA · Cert 18518 · Halbur Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #68 of 77 inst. · $0.0B of $42.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.25% | 0.85% | 1.01% | 0.95% | -14 bps | |
| Return on Equity | 14.27% | 16.17% | 10.72% | 12.70% | 11.11% | -316 bps | |
| Net Interest Margin | 3.67% | 3.71% | 3.76% | 3.75% | 3.72% | +5 bps | |
| Efficiency Ratio | 60.33% | 56.74% | 57.75% | 61.28% | 63.05% | +272 bps | |
| Non-Interest Burden | 2.13% | 1.98% | 2.08% | 2.18% | 2.27% | +14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.85% | 8.25% | 15.91% | 14.44% | 9.47% | -439 bps | |
| Loan Growth (YoY) | 15.39% | 17.78% | 19.08% | 18.03% | 12.70% | -269 bps | |
| Deposit Growth (YoY) | 15.63% | 12.96% | 13.43% | 9.67% | 15.70% | +7 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.11% | 0.18% | 1.38% | 1.57% | +137 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.08% | 0.06% | 0.04% | +3 bps | |
| Allowance / Loans | 0.60% | 0.61% | 0.74% | 0.78% | 0.84% | +24 bps | |
| Allowance Coverage of NPLs | 3.0x | 5.6x | 4.0x | 0.6x | 0.5x | -2.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.81% | 7.70% | 7.75% | 7.92% | 8.82% | +101 bps | |
| Total Risk-Based Capital | 11.13% | 11.24% | 11.50% | 11.67% | 13.32% | +219 bps | |
| Equity / Assets | 7.56% | 7.88% | 7.91% | 8.01% | 9.00% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 115.86% | 119.82% | 120.91% | 121.97% | 112.85% | -301 bps | |
| Liquid Assets / Assets | 2.78% | 1.71% | 1.44% | 1.01% | 2.31% | -48 bps | |
| CRE / Total Capital | n/a | 58.73% | 58.55% | 54.97% | n/a | n/a | |