Cedar Rapids State Bank
Cedar Rapids, NE · Cert 18820 · Peer group: banks under $1B in assets in NE (n=83) · Cedar Rapids State Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$174.9MAssets
$146.5MLoans
$157.4MDeposits
$16.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
- Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in NE (rank 72 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.93%
Rank 63 of 83
Net Interest Margin
3.37%
Rank 59 of 83
Efficiency Ratio
57.47%
Rank 35 of 83
Equity / Assets
9.45%
Rank 70 of 83
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 59% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.93% | 1.20% | 1.51% | Beats 24% | 63 / 83 | | |
| Return on Equity | 9.81% | 8.04% | 10.34% | 13.11% | Beats 43% | 47 / 83 | | |
| Net Interest Margin | 3.37% | 3.25% | 3.62% | 4.02% | Beats 29% | 59 / 83 | | |
| Efficiency Ratio | 57.47% | 51.13% | 59.95% | 67.19% | Beats 59% | 35 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.73% | 0.00% | 0.19% | 0.96% | Beats 14% | 72 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 10.94% | 13.24% | 16.62% | Beats 43% | 47 / 83 | | |
| Total Risk-Based Capital Ratio | 13.51% | 11.04% | 13.54% | 17.63% | Beats 48% | 43 / 83 | | |
| Equity / Assets | 9.45% | 9.90% | 11.31% | 13.84% | Beats 16% | 70 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.02% | 71.97% | 83.15% | 92.22% | 76th pctl | 20 / 83 | | |
| Loans / Assets | 83.72% | 57.96% | 69.15% | 77.64% | 92nd pctl | 7 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |