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 | |