Bellwood, NE · Cert 25291 · Bellwood Community Holding Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
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 | 0.78% | 0.81% | 0.74% | 0.61% | 0.66% | 0.71% | 0.78% | 0.87% | +26 bps | |
| Return on Equity | 8.86% | 9.20% | 8.21% | 6.79% | 7.41% | 7.84% | 8.47% | 9.45% | +266 bps | |
| Net Interest Margin | 3.21% | 3.26% | 3.29% | 3.34% | 3.44% | 3.53% | 3.66% | 3.66% | +32 bps | |
| Efficiency Ratio | 78.31% | 77.90% | 81.62% | 78.23% | 76.70% | 76.20% | 71.87% | 69.81% | -843 bps | |
| Non-Interest Burden | 2.50% | 2.51% | 2.69% | 2.61% | 2.63% | 2.68% | 2.61% | 2.53% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.16% | 6.15% | 3.14% | 1.86% | 2.81% | 3.21% | 3.65% | 6.50% | +464 bps | |
| Loan Growth (YoY) | 9.64% | 9.56% | 1.20% | 1.06% | -2.99% | -1.56% | 3.98% | 4.89% | +383 bps | |
| Deposit Growth (YoY) | 6.24% | 4.37% | -0.92% | -3.40% | 0.01% | -1.03% | 2.65% | 5.65% | +904 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.58% | 0.07% | 0.08% | 0.23% | 0.12% | 0.05% | 0.05% | 0.05% | -18 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.05% | 0.02% | 0.04% | 0.01% | 0.01% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.52% | 1.48% | 1.42% | 1.48% | 1.48% | 1.43% | 1.40% | 1.37% | -11 bps | |
| Allowance Coverage of NPLs | 1.0x | 20.5x | 16.9x | 6.5x | 12.1x | 28.7x | 29.0x | 29.5x | +23.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.20% | 9.48% | 9.65% | 9.44% | 9.69% | 9.85% | 9.95% | 9.87% | +43 bps | |
| Total Risk-Based Capital | 12.05% | 12.28% | 12.82% | 12.59% | 12.84% | 12.94% | 12.84% | 12.81% | +22 bps | |
| Equity / Assets | 8.93% | 9.02% | 8.96% | 8.76% | 9.13% | 9.30% | 9.19% | 9.11% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.65% | 96.01% | 92.65% | 93.74% | 93.75% | 95.50% | 93.85% | 93.07% | -67 bps | |
| Liquid Assets / Assets | 0.08% | 0.05% | 2.09% | 2.69% | 2.93% | 1.61% | 1.68% | 2.07% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 157.82% | 154.36% | 174.04% | n/a | n/a | |