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 | |