Curtis, NE · Cert 1983 · WNB Holdings LLC
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.17% | 1.23% | 1.05% | 1.52% | +19 bps | |
| Return on Equity | 18.18% | 15.72% | 15.99% | 13.01% | 18.10% | -8 bps | |
| Net Interest Margin | 3.98% | 3.98% | 3.96% | 3.96% | 4.38% | +41 bps | |
| Efficiency Ratio | 60.61% | 68.46% | 64.84% | 67.60% | 63.09% | +248 bps | |
| Non-Interest Burden | 2.16% | 2.53% | 2.33% | 2.51% | 2.49% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.86% | 9.82% | 8.58% | 5.15% | 5.46% | -240 bps | |
| Loan Growth (YoY) | 9.19% | 14.08% | 15.99% | 11.94% | 11.64% | +244 bps | |
| Deposit Growth (YoY) | 0.66% | 7.27% | 9.72% | 8.53% | 7.61% | +695 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.01% | 0.11% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 0.99% | 1.01% | 1.09% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 65.3x | 106.4x | 118.0x | 10.1x | 147.4x | +82.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.71% | 9.49% | 9.09% | 9.68% | 10.07% | +36 bps | |
| Total Risk-Based Capital | 9.71% | 9.49% | 9.09% | 9.68% | 10.07% | +36 bps | |
| Equity / Assets | 7.24% | 7.59% | 7.73% | 8.46% | 8.38% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.18% | 94.53% | 95.64% | 87.99% | 94.59% | +341 bps | |
| Liquid Assets / Assets | 0.11% | 0.05% | 0.09% | 0.44% | 0.08% | -3 bps | |
| CRE / Total Capital | n/a | 171.86% | 172.47% | 159.32% | n/a | n/a | |