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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.46% | 1.58% | 1.63% | 1.76% | 1.59% | 1.84% | 2.19% | +56 bps | |
| Return on Equity | 13.24% | 14.22% | 15.46% | 15.41% | 16.27% | 14.64% | 16.49% | 19.20% | +379 bps | |
| Net Interest Margin | 3.42% | 3.45% | 3.59% | 3.59% | 3.65% | 3.62% | 3.80% | 4.09% | +50 bps | |
| Efficiency Ratio | 55.55% | 54.43% | 52.78% | 52.26% | 49.32% | 56.74% | 50.31% | 46.77% | -550 bps | |
| Non-Interest Burden | 1.55% | 1.30% | 1.46% | 1.45% | 1.34% | 1.53% | 1.42% | 1.28% | -18 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 | 0.02% | -0.01% | -0.01% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 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 | |