Carleton, NE · Cert 18724 · Carleton Agency Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.96% | 0.20% | 1.17% | 1.55% | 1.48% | +51 bps | |
| Return on Equity | 8.77% | 1.89% | 11.35% | 14.17% | 12.98% | +421 bps | |
| Net Interest Margin | 4.11% | 4.46% | 4.02% | 4.50% | 4.54% | +43 bps | |
| Efficiency Ratio | 69.57% | 59.05% | 66.58% | 55.32% | 62.41% | -716 bps | |
| Non-Interest Burden | 2.80% | 2.56% | 2.54% | 2.29% | 2.75% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.18% | 4.68% | 11.00% | 3.84% | 8.27% | +309 bps | |
| Loan Growth (YoY) | 9.98% | 6.99% | 9.35% | 12.25% | 9.81% | -17 bps | |
| Deposit Growth (YoY) | 2.53% | 9.42% | 19.26% | 9.26% | 9.03% | +651 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.99% | 0.00% | 0.00% | 0.00% | 0.00% | -99 bps | |
| Net Charge-Offs / Loans | 0.20% | 1.63% | -0.01% | 0.00% | 0.00% | -20 bps | |
| Allowance / Loans | 0.70% | 0.67% | 0.66% | 0.73% | 0.72% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.20% | 10.52% | 10.49% | 11.29% | 11.43% | +23 bps | |
| Total Risk-Based Capital | 11.20% | 10.52% | 10.49% | 11.29% | 11.43% | +23 bps | |
| Equity / Assets | 10.95% | 10.36% | 10.29% | 11.59% | 11.19% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.16% | 112.99% | 108.41% | 109.99% | 112.95% | +79 bps | |
| Liquid Assets / Assets | 9.21% | 7.95% | 7.00% | 7.57% | 6.45% | -275 bps | |
| CRE / Total Capital | n/a | 25.97% | 33.29% | 31.14% | n/a | n/a | |