Cedar Security Bank
Fordyce, NE · Cert 25591 · Peer group: banks under $1B in assets in NE (n=83) · Cedar Financial Holding Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$62.1MAssets
$37.2MLoans
$49.0MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in NE (rank 5 of 83).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets in NE (rank 73 of 83).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.00%
Rank 10 of 83
Net Interest Margin
4.54%
Rank 5 of 83
Efficiency Ratio
49.54%
Rank 17 of 83
Equity / Assets
18.15%
Rank 8 of 83
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 81% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.00% | 0.93% | 1.20% | 1.51% | Beats 88% | 10 / 83 | |
| Return on Equity | 11.01% | 8.04% | 10.34% | 13.11% | Beats 58% | 35 / 83 | |
| Net Interest Margin | 4.54% | 3.25% | 3.62% | 4.02% | Beats 94% | 5 / 83 | |
| Efficiency Ratio | 49.54% | 51.13% | 59.95% | 67.19% | Beats 81% | 17 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.00% | 0.19% | 0.96% | Beats 24% | 64 / 83 | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.00% | 0.02% | Beats 13% | 73 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 18.04% | 10.94% | 13.24% | 16.62% | Beats 78% | 18 / 83 | |
| Total Risk-Based Capital Ratio | 18.04% | 11.04% | 13.54% | 17.63% | Beats 77% | 19 / 83 | |
| Equity / Assets | 18.15% | 9.90% | 11.31% | 13.84% | Beats 90% | 8 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 76.01% | 71.97% | 83.15% | 92.22% | 27th pctl | 61 / 83 | |
| Loans / Assets | 59.96% | 57.96% | 69.15% | 77.64% | 29th pctl | 59 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |