West Point, NE · Cert 26185 · Nationwide Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
34
Profitability
61
Liquidity
71
Efficiency
11
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
West Point, NE · Cert 26185 · Nationwide Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #52 of 77 inst. · $0.1B of $42.7B
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 | 1.03% | 1.03% | 0.67% | 1.07% | 1.11% | 1.10% | 1.00% | 1.24% | +16 bps | |
| Return on Equity | 11.87% | 11.85% | 7.66% | 12.30% | 12.59% | 12.40% | 11.13% | 13.74% | +144 bps | |
| Net Interest Margin | 3.57% | 3.60% | 3.62% | 3.65% | 3.70% | 3.72% | 3.73% | 3.70% | +6 bps | |
| Efficiency Ratio | 78.71% | 78.77% | 84.97% | 78.55% | 78.23% | 78.63% | 80.49% | 77.59% | -96 bps | |
| Non-Interest Burden | 2.20% | 2.23% | 2.68% | 2.19% | 2.21% | 2.26% | 2.32% | 2.04% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.07% | 5.33% | 8.03% | 9.81% | 9.65% | 8.62% | 9.82% | 7.59% | -222 bps | |
| Loan Growth (YoY) | 6.23% | 7.14% | 9.41% | 10.56% | 14.53% | 11.90% | 11.32% | 5.72% | -484 bps | |
| Deposit Growth (YoY) | 6.24% | 8.33% | 8.28% | 9.34% | 9.16% | 8.65% | 9.84% | 10.67% | +134 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.36% | 0.26% | 0.29% | 0.44% | 0.23% | 0.36% | 0.26% | -3 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.02% | 0.06% | 0.04% | 0.03% | -0.01% | 0.02% | -4 bps | |
| Allowance / Loans | 1.26% | 1.25% | 1.25% | 1.17% | 1.18% | 1.22% | 1.24% | 1.24% | +7 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.4x | 4.9x | 4.1x | 2.7x | 5.3x | 3.4x | 4.7x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.43% | 9.21% | 9.17% | 9.45% | 9.33% | 9.26% | 9.27% | +9 bps | |
| Total Risk-Based Capital | 9.41% | 9.43% | 9.21% | 9.17% | 9.45% | 9.33% | 9.26% | 9.27% | +9 bps | |
| Equity / Assets | 8.85% | 8.93% | 8.60% | 8.67% | 8.96% | 9.22% | 8.78% | 8.99% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.93% | 89.41% | 87.39% | 92.58% | 93.31% | 92.08% | 88.56% | 88.43% | -415 bps | |
| Liquid Assets / Assets | 11.04% | 7.91% | 8.12% | 7.49% | 7.42% | 6.34% | 9.25% | 9.75% | +225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 254% | 249% | n/a | n/a | |
West Point, NE · Cert 26185 · Peer group: banks under $1B in assets in NE (n=83) · Nationwide Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
1.19%
Rank 44 of 83
Net Interest Margin
3.70%
Rank 34 of 83
Efficiency Ratio
77.59%
Rank 75 of 83
Equity / Assets
8.99%
Rank 77 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.93% | 1.20% | 1.51% | Beats 47% | 44 / 83 | ||
| Return on Equity | 13.27% | 8.04% | 10.34% | 13.11% | Beats 77% | 19 / 83 | ||
| Net Interest Margin | 3.70% | 3.25% | 3.62% | 4.02% | Beats 59% | 34 / 83 | ||
| Efficiency Ratio | 77.59% | 51.13% | 59.95% | 67.19% | Beats 11% | 75 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.00% | 0.19% | 0.96% | Beats 42% | 49 / 83 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.02% | Beats 25% | 63 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.27% | 10.94% | 13.24% | 16.62% | Beats 4% | 80 / 83 | ||
| Total Risk-Based Capital Ratio | 9.27% | 11.04% | 13.54% | 17.63% | Beats 4% | 80 / 83 | ||
| Equity / Assets | 8.99% | 9.90% | 11.31% | 13.84% | Beats 7% | 77 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.43% | 71.97% | 83.15% | 92.22% | 66th pctl | 28 / 83 | ||
| Loans / Assets | 78.48% | 57.96% | 69.15% | 77.64% | 77th pctl | 19 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||