PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bruning Bank

Bruning, NE · Cert 18748 · Bruning Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$659.9MAssets
$495.2MLoans
$560.4MDeposits
$60.0MEquity
Loan mix
87%RE $357.9M12%C&I $47.3M1%Consumer $4.8MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $481.3M14%Noninterest $79.1MQ3 2024Q2 2026

Market Position · Grand Island, NE · 2026 SOD (annual) · 1.8% share · #13 of 22 inst. · $0.1B of $3.6B

41.7% Thayer
27.7% Phelps
18.9% Custer
2.1% Hall

Executive Summary

  • Earnings: ROA of 1.23%, up 52 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.01%, up 49 bps from a year ago.
  • Funding: loans stand at 88.35% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%+52 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+41 bps YoY

Efficiency Ratio (YTD, annualized)

59.95%-668 bps YoY

Tier 1 Leverage Ratio

10.01%+49 bps YoY

NIM

4.86%Q2 ’245.33%Q2 ’255.47%Q2 ’26+22%+13%

Non-interest income vs. expense

2.27%Q2 ’242.37%Q2 ’252.42%Q2 ’26+6%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.59%0.49%0.71%0.79%0.88%1.19%1.23%+52 bps
Return on Equity7.65%8.19%6.58%9.37%10.24%11.20%13.92%14.13%+476 bps
Net Interest Margin2.54%2.55%3.04%3.20%3.12%3.17%3.55%3.62%+41 bps
Efficiency Ratio74.13%74.19%68.79%66.63%65.19%64.66%59.97%59.95%-668 bps
Non-Interest Burden1.79%1.80%1.98%2.02%1.91%1.92%1.96%2.00%-2 bps
Growth
Asset Growth (YoY)8.66%5.88%4.25%4.39%4.44%4.09%7.08%1.64%-275 bps
Loan Growth (YoY)15.52%14.48%14.63%14.38%13.20%14.35%11.09%6.23%-815 bps
Deposit Growth (YoY)7.24%7.25%6.01%7.70%3.81%4.85%7.34%7.31%-38 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.47%1.43%1.48%1.43%1.43%1.41%1.51%1.50%+7 bps
Allowance Coverage of NPLsn/an/an/a392.1xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.20%9.16%9.20%9.52%9.32%9.47%9.63%10.01%+49 bps
Total Risk-Based Capital9.20%9.16%9.20%9.52%9.32%9.47%9.63%10.01%+49 bps
Equity / Assets7.61%7.22%7.80%7.84%8.09%8.45%8.60%9.10%+125 bps
Liquidity & Funding
Loans / Deposits86.29%83.65%81.78%89.25%94.10%91.23%84.63%88.35%-90 bps
Liquid Assets / Assets0.14%0.20%0.96%0.13%0.15%0.25%2.56%0.12%0 bps
CRE / Total Capitaln/an/an/an/a298%297%301%n/an/a