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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.16% | 2.14% | 1.82% | 1.84% | 1.98% | 2.54% | 1.93% | 1.91% | +7 bps | |
| Return on Equity | 14.86% | 14.35% | 11.66% | 11.71% | 12.97% | 16.79% | 12.38% | 11.97% | +26 bps | |
| Net Interest Margin | 4.05% | 4.01% | 3.85% | 3.94% | 4.02% | 4.26% | 4.13% | 3.99% | +4 bps | |
| Efficiency Ratio | 35.62% | 37.05% | 38.57% | 36.84% | 35.22% | 33.10% | 36.50% | 36.06% | -78 bps | |
| Non-Interest Burden | 1.20% | 1.26% | 1.31% | 1.27% | 1.23% | 1.10% | 1.29% | 1.25% | -1 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 | 0.02% | 0.02% | 0.00% | 1.24% | 0.00% | 1.19% | -0.05% | 0.83% | -41 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 | |