Hershey Bank
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
$141.1MAssets
$121.9MLoans
$109.0MDeposits
$18.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 69% of banks under $1B in assets in NE (rank 26 of 83).
- Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets in NE (rank 66 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 49% 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 | 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 |