Geneva, NE · Cert 18740 · Geneva State Co.
State charter, non-member · FDIC · 15 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
27
Asset Quality
59
Profitability
86
Liquidity
82
Efficiency
82
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.
Geneva, NE · Cert 18740 · Geneva State Co.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 0.3% share · #22 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 | 1.35% | 1.38% | 1.58% | 1.60% | 1.65% | 1.64% | 1.84% | 2.01% | +40 bps | |
| Return on Equity | 13.19% | 13.52% | 15.46% | 15.46% | 15.70% | 15.51% | 16.49% | 17.91% | +245 bps | |
| Net Interest Margin | 3.41% | 3.35% | 3.59% | 3.54% | 3.54% | 3.54% | 3.80% | 3.96% | +43 bps | |
| Efficiency Ratio | 56.93% | 56.24% | 52.78% | 52.52% | 51.42% | 52.85% | 50.31% | 48.46% | -406 bps | |
| Non-Interest Burden | 1.59% | 1.49% | 1.46% | 1.44% | 1.39% | 1.42% | 1.42% | 1.35% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.27% | 9.51% | 3.65% | 6.41% | 7.52% | 1.93% | -0.74% | -0.91% | -732 bps | |
| Loan Growth (YoY) | 13.36% | 15.84% | 14.67% | 13.41% | 15.43% | 7.53% | 3.57% | 2.71% | -1,070 bps | |
| Deposit Growth (YoY) | 4.73% | 2.39% | -1.24% | 5.46% | 5.70% | 6.86% | 11.38% | 5.19% | -28 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.05% | 0.18% | 0.20% | 0.14% | 0.23% | 0.26% | 0.13% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.12% | 1.10% | 1.06% | 1.07% | 1.11% | 1.09% | 0 bps | |
| Allowance Coverage of NPLs | 19.0x | 21.6x | 6.2x | 5.4x | 7.4x | 4.6x | 4.3x | 8.6x | +3.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 9.88% | 9.96% | 9.95% | 10.10% | 9.65% | 10.23% | 10.25% | +30 bps | |
| Total Risk-Based Capital | 9.93% | 9.88% | 9.96% | 9.95% | 10.10% | 9.65% | 10.23% | 10.25% | +30 bps | |
| Equity / Assets | 10.61% | 9.94% | 10.53% | 10.67% | 11.00% | 10.78% | 11.55% | 11.30% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.25% | 92.75% | 89.80% | 88.50% | 95.28% | 93.33% | 83.51% | 86.41% | -208 bps | |
| Liquid Assets / Assets | 4.79% | 4.41% | 4.47% | 4.32% | 4.11% | 3.87% | 4.00% | 3.86% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 185.64% | 194.28% | 181.94% | n/a | n/a | |
Geneva, NE · Cert 18740 · Peer group: banks under $1B in assets in NE (n=83) · Geneva State Co.
State charter, non-member · FDIC · 15 branches
Q2 2026
Return on Assets
2.02%
Rank 9 of 83
Net Interest Margin
3.96%
Rank 23 of 83
Efficiency Ratio
49.28%
Rank 16 of 83
Equity / Assets
11.30%
Rank 43 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.02% | 0.93% | 1.20% | 1.51% | Beats 89% | 9 / 83 | ||
| Return on Equity | 17.88% | 8.04% | 10.34% | 13.11% | Beats 96% | 3 / 83 | ||
| Net Interest Margin | 3.96% | 3.25% | 3.62% | 4.02% | Beats 72% | 23 / 83 | ||
| Efficiency Ratio | 49.28% | 51.13% | 59.95% | 67.19% | Beats 82% | 16 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.00% | 0.19% | 0.96% | Beats 58% | 36 / 83 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 60% | 35 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.25% | 10.94% | 13.24% | 16.62% | Beats 16% | 70 / 83 | ||
| Total Risk-Based Capital Ratio | 10.25% | 11.04% | 13.54% | 17.63% | Beats 16% | 70 / 83 | ||
| Equity / Assets | 11.30% | 9.90% | 11.31% | 13.84% | Beats 48% | 43 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.41% | 71.97% | 83.15% | 92.22% | 58th pctl | 35 / 83 | ||
| Loans / Assets | 71.57% | 57.96% | 69.15% | 77.64% | 55th pctl | 37 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||