Hershey, NE · Cert 19809 · HSB Merger Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
28
Profitability
46
Liquidity
0
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hershey, NE · Cert 19809 · HSB Merger Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.0% share · #69 of 77 inst. · $0.0B of $42.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.41% | 1.03% | 1.08% | 1.27% | 1.27% | 1.18% | 1.20% | +12 bps | |
| Return on Equity | 9.76% | 10.07% | 8.03% | 8.37% | 10.02% | 10.11% | 9.97% | 9.72% | +134 bps | |
| Net Interest Margin | 4.08% | 3.90% | 3.79% | 3.98% | 3.81% | 3.65% | 3.70% | 3.81% | -16 bps | |
| Efficiency Ratio | 56.94% | 56.83% | 63.61% | 63.26% | 58.97% | 59.65% | 60.13% | 59.59% | -367 bps | |
| Non-Interest Burden | 2.18% | 2.07% | 2.32% | 2.41% | 2.08% | 2.03% | 2.09% | 2.11% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.27% | 24.74% | 21.36% | 20.53% | 15.41% | 14.36% | 19.48% | 18.06% | -247 bps | |
| Loan Growth (YoY) | 20.69% | 31.30% | 34.06% | 23.79% | 20.56% | 13.92% | 13.17% | 17.32% | -647 bps | |
| Deposit Growth (YoY) | 6.76% | 10.46% | 18.87% | 17.52% | 15.43% | 16.13% | 14.25% | 17.99% | +47 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.82% | 1.62% | 1.64% | 1.59% | 1.90% | 1.67% | 1.43% | 1.22% | -37 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.45% | 1.45% | 1.51% | 1.48% | 1.35% | 1.40% | 1.45% | 1.37% | -11 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.9x | 0.9x | 0.7x | 0.8x | 1.0x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.37% | 12.36% | 12.44% | 12.94% | 12.33% | 11.62% | 11.28% | 13.24% | +30 bps | |
| Total Risk-Based Capital | 13.37% | 12.36% | 12.44% | 12.94% | 12.33% | 11.62% | 11.28% | 13.24% | +30 bps | |
| Equity / Assets | 13.01% | 12.42% | 13.22% | 13.12% | 12.16% | 11.98% | 11.71% | 13.32% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.53% | 118.07% | 109.14% | 112.45% | 118.58% | 115.83% | 108.11% | 111.81% | -64 bps | |
| Liquid Assets / Assets | 8.90% | 8.14% | 4.13% | 3.27% | 3.09% | 7.25% | 8.96% | 3.73% | +46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 161.24% | 160.65% | 166.15% | n/a | n/a | |
Hershey, NE · Cert 19809 · Peer group: banks under $1B in assets in NE (n=83) · HSB Merger Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.18%
Rank 46 of 83
Net Interest Margin
3.81%
Rank 30 of 83
Efficiency Ratio
60.80%
Rank 43 of 83
Equity / Assets
13.32%
Rank 26 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.93% | 1.20% | 1.51% | Beats 45% | 46 / 83 | ||
| Return on Equity | 8.90% | 8.04% | 10.34% | 13.11% | Beats 30% | 58 / 83 | ||
| Net Interest Margin | 3.81% | 3.25% | 3.62% | 4.02% | Beats 64% | 30 / 83 | ||
| Efficiency Ratio | 60.80% | 51.13% | 59.95% | 67.19% | Beats 49% | 43 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.00% | 0.19% | 0.96% | Beats 22% | 66 / 83 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 33% | 57 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.24% | 10.94% | 13.24% | 16.62% | Beats 49% | 42 / 83 | ||
| Total Risk-Based Capital Ratio | 13.24% | 11.04% | 13.54% | 17.63% | Beats 43% | 47 / 83 | ||
| Equity / Assets | 13.32% | 9.90% | 11.31% | 13.84% | Beats 69% | 26 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 111.81% | 71.97% | 83.15% | 92.22% | 98th pctl | 2 / 83 | ||
| Loans / Assets | 86.38% | 57.96% | 69.15% | 77.64% | 94th pctl | 5 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||