Norfolk, NE · Cert 20130 · North Central Bcorp Inc.
State charter, non-member · FDIC · 14 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
25
Profitability
73
Liquidity
92
Efficiency
99
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.
Norfolk, NE · Cert 20130 · North Central Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 2.8% share · #11 of 28 inst. · $0.1B of $4.6B
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 | 2.03% | 2.07% | 1.82% | 1.82% | 1.87% | 2.05% | 1.93% | 1.92% | +10 bps | |
| Return on Equity | 14.15% | 14.20% | 11.66% | 11.67% | 12.14% | 13.30% | 12.38% | 12.17% | +50 bps | |
| Net Interest Margin | 3.85% | 3.88% | 3.85% | 3.87% | 3.80% | 3.87% | 4.13% | 4.00% | +13 bps | |
| Efficiency Ratio | 38.22% | 37.92% | 38.57% | 37.69% | 36.82% | 35.77% | 36.50% | 36.28% | -141 bps | |
| Non-Interest Burden | 1.25% | 1.25% | 1.31% | 1.28% | 1.22% | 1.18% | 1.29% | 1.25% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.45% | 5.88% | 4.96% | 4.51% | 4.34% | 6.54% | 9.27% | 4.94% | +42 bps | |
| Loan Growth (YoY) | 11.58% | 11.64% | 11.85% | 2.14% | 0.53% | 1.07% | 0.78% | 1.71% | -43 bps | |
| Deposit Growth (YoY) | 13.38% | 14.51% | 13.65% | 7.29% | 4.22% | 3.43% | 2.32% | 11.41% | +412 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 2.25% | 2.59% | 2.44% | 2.28% | 1.42% | 0.69% | 0.84% | -160 bps | |
| Net Charge-Offs / Loans | -0.26% | -0.18% | 0.00% | 0.62% | 0.41% | 0.60% | -0.05% | 0.39% | -23 bps | |
| Allowance / Loans | 1.63% | 1.63% | 1.73% | 1.54% | 1.66% | 1.45% | 1.60% | 1.52% | -3 bps | |
| Allowance Coverage of NPLs | 8.3x | 0.7x | 0.7x | 0.6x | 0.7x | 1.0x | 2.3x | 1.8x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.73% | 14.25% | 14.78% | 15.07% | 14.22% | 14.67% | 15.25% | 15.31% | +24 bps | |
| Total Risk-Based Capital | 18.49% | 18.67% | 19.25% | 19.61% | 19.22% | 19.73% | 20.51% | 20.92% | +131 bps | |
| Equity / Assets | 14.53% | 15.32% | 15.87% | 15.55% | 14.91% | 15.37% | 15.77% | 16.14% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.73% | 102.23% | 98.61% | 99.38% | 96.20% | 99.90% | 97.13% | 90.73% | -865 bps | |
| Liquid Assets / Assets | 0.81% | 0.63% | 0.74% | 0.53% | 0.40% | 0.76% | 0.31% | 0.45% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.28% | 170.51% | 167.02% | n/a | n/a | |
Norfolk, NE · Cert 20130 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · North Central Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
1.91%
Rank 15 of 176
Net Interest Margin
4.00%
Rank 34 of 176
Efficiency Ratio
36.28%
Rank 3 of 176
Equity / Assets
16.14%
Rank 5 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.91% | 0.93% | 1.26% | 1.54% | Beats 91% | 15 / 176 | ||
| Return on Equity | 11.83% | 9.26% | 11.89% | 14.46% | Beats 48% | 91 / 176 | ||
| Net Interest Margin | 4.00% | 3.25% | 3.59% | 3.93% | Beats 81% | 34 / 176 | ||
| Efficiency Ratio | 36.28% | 52.79% | 59.55% | 67.66% | Beats 99% | 3 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.30% | 0.64% | 1.32% | Beats 39% | 108 / 176 | ||
| Net Charge-Offs / Loans | 0.21% | 0.01% | 0.04% | 0.10% | Beats 11% | 158 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.74% | 11.15% | 12.72% | 14.15% | Beats 97% | 5 / 176 | ||
| Total Risk-Based Capital Ratio | 20.92% | 11.81% | 13.63% | 15.33% | Beats 97% | 5 / 176 | ||
| Equity / Assets | 16.14% | 9.16% | 10.35% | 11.80% | Beats 97% | 5 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.73% | 80.94% | 89.73% | 97.21% | 54th pctl | 81 / 176 | ||
| Loans / Assets | 60.25% | 69.25% | 75.12% | 80.82% | 6th pctl | 165 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||