Bruning, NE · Cert 18748 · Bruning Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 1.8% share · #13 of 22 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.79% | 0.88% | 1.19% | 1.23% | +52 bps | |
| Return on Equity | 9.37% | 10.24% | 11.20% | 13.92% | 14.13% | +476 bps | |
| Net Interest Margin | 3.20% | 3.12% | 3.17% | 3.55% | 3.62% | +41 bps | |
| Efficiency Ratio | 66.63% | 65.19% | 64.66% | 59.97% | 59.95% | -668 bps | |
| Non-Interest Burden | 2.02% | 1.91% | 1.92% | 1.96% | 2.00% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.39% | 4.44% | 4.09% | 7.08% | 1.64% | -275 bps | |
| Loan Growth (YoY) | 14.38% | 13.20% | 14.35% | 11.09% | 6.23% | -815 bps | |
| Deposit Growth (YoY) | 7.70% | 3.81% | 4.85% | 7.34% | 7.31% | -38 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 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 bps | |
| Allowance / Loans | 1.43% | 1.43% | 1.41% | 1.51% | 1.50% | +7 bps | |
| Allowance Coverage of NPLs | 392.1x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.52% | 9.32% | 9.47% | 9.63% | 10.01% | +49 bps | |
| Total Risk-Based Capital | 9.52% | 9.32% | 9.47% | 9.63% | 10.01% | +49 bps | |
| Equity / Assets | 7.84% | 8.09% | 8.45% | 8.60% | 9.10% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.25% | 94.10% | 91.23% | 84.63% | 88.35% | -90 bps | |
| Liquid Assets / Assets | 0.13% | 0.15% | 0.25% | 2.56% | 0.12% | 0 bps | |
| CRE / Total Capital | n/a | 298% | 297% | 301% | n/a | n/a | |