Bankfirst
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
$1.2BAssets
$730.1MLoans
$804.7MDeposits
$195.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks $1B-$10B in assets operating regionally (rank 3 of 176).
- Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets operating regionally (rank 158 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.3M · efficiency ratio beats 99% of banks $1B-$10B in assets operating regionally | 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 |