PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Security National Bank of Omaha

Omaha, NE · Cert 19213 · Security National Corp.

National charter · OCC · 14 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.5BDeposits
$181.3MEquity
Loan mix
61%RE $801.5M37%C&I $484.0M3%Consumer $35.3MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.1B26%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.63%Q2 ’245.72%Q2 ’255.62%Q2 ’26+9%+5%

Non-interest income vs. expense

2.85%Q2 ’243.22%Q2 ’253.26%Q2 ’26+13%+2%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 3.0% share · #6 of 77 inst. · $1.3B of $42.7B

3.6% Douglas
0.1% Dallas
2.3% Pottawattamie
0.9% Dallas

Executive Summary

  • Earnings: ROA of 1.38%, up 14 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 1.03% of loans (+89 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.58%, up 62 bps from a year ago.
  • Funding: loans stand at 92.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.38%+14 bps YoY

Net Interest Margin (quarter, annualized)

4.18%+20 bps YoY

Efficiency Ratio (quarter, annualized)

64.46%-165 bps YoY

Tier 1 Leverage Ratio

10.58%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.31%1.29%1.53%1.38%+14 bps
Return on Equity14.07%14.46%13.39%15.64%14.29%+21 bps
Net Interest Margin3.97%4.05%4.31%4.18%4.18%+20 bps
Efficiency Ratio66.11%63.79%68.94%62.15%64.46%-165 bps
Non-Interest Burden2.33%2.25%2.65%2.18%2.39%+6 bps
Growth
Asset Growth (YoY)10.79%2.61%-2.19%5.23%2.51%-827 bps
Loan Growth (YoY)14.06%11.36%3.97%3.84%1.50%-1,256 bps
Deposit Growth (YoY)13.36%2.21%-4.15%6.41%-1.73%-1,509 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.12%0.19%1.04%1.03%+89 bps
Net Charge-Offs / Loans0.00%-0.03%0.06%-0.04%0.04%+4 bps
Allowance / Loans1.41%1.46%1.47%1.47%1.42%+1 bps
Allowance Coverage of NPLs10.1x12.1x7.9x1.4x1.4x-8.8x
Capital
Tier 1 Leverage Ratio9.96%10.02%10.55%10.90%10.58%+62 bps
Total Risk-Based Capital13.48%13.98%14.58%14.75%14.63%+115 bps
Equity / Assets8.81%9.27%9.97%9.61%9.75%+93 bps
Liquidity & Funding
Loans / Deposits89.08%91.29%92.81%86.92%92.00%+292 bps
Liquid Assets / Assets9.74%9.43%6.97%11.26%9.76%+2 bps
CRE / Total Capitaln/a380%372%369%n/an/a