Fordyce, NE · Cert 25591 · Cedar Financial Holding Inc.
State charter, non-member · FDIC · 3 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 | 0.66% | 0.78% | 1.63% | 1.38% | 1.55% | 1.46% | 1.96% | 2.01% | +63 bps | |
| Return on Equity | 3.88% | 4.54% | 9.39% | 7.99% | 8.91% | 8.32% | 10.98% | 11.23% | +325 bps | |
| Net Interest Margin | 3.39% | 3.56% | 3.94% | 3.95% | 4.08% | 4.27% | 4.47% | 4.54% | +58 bps | |
| Efficiency Ratio | 70.02% | 69.97% | 55.45% | 53.53% | 52.90% | 53.30% | 49.19% | 49.54% | -398 bps | |
| Non-Interest Burden | 2.24% | 2.36% | 2.00% | 1.95% | 1.99% | 2.11% | 2.03% | 2.08% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -5.05% | 12.50% | 9.55% | 7.10% | 10.07% | 3.77% | 2.95% | -661 bps | |
| Loan Growth (YoY) | 2.18% | 0.03% | 20.62% | 17.54% | 20.51% | 22.77% | 10.79% | 16.49% | -105 bps | |
| Deposit Growth (YoY) | 5.00% | 1.57% | 15.29% | 11.03% | 7.86% | 10.72% | 3.07% | 2.17% | -886 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.90% | 1.16% | 1.90% | 1.36% | 1.49% | 0.99% | 1.79% | 0.96% | -39 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.29% | 0.11% | 1.35% | 0.85% | 1.21% | -0.02% | -0.35% | -170 bps | |
| Allowance / Loans | 3.35% | 3.61% | 3.27% | 2.78% | 2.64% | 2.32% | 2.36% | 2.30% | -48 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.1x | 1.7x | 2.0x | 1.8x | 2.3x | 1.3x | 2.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.82% | 18.23% | 17.42% | 16.42% | 17.25% | 17.98% | 18.20% | 18.04% | +162 bps | |
| Total Risk-Based Capital | 17.82% | 18.23% | 17.42% | 16.42% | 17.25% | 17.98% | 18.20% | 18.04% | +162 bps | |
| Equity / Assets | 17.46% | 17.86% | 16.90% | 17.16% | 17.76% | 17.86% | 17.77% | 18.15% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.96% | 64.57% | 63.80% | 66.67% | 71.46% | 71.60% | 68.58% | 76.01% | +935 bps | |
| Liquid Assets / Assets | 17.94% | 16.84% | 14.96% | 25.54% | 17.72% | 22.26% | 26.45% | 18.42% | -712 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 8.75% | 8.19% | 8.86% | n/a | n/a | |