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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.03% | 0.67% | 1.46% | 1.16% | 1.05% | 1.00% | 1.46% | 0 bps | |
| Return on Equity | 11.85% | 11.59% | 7.66% | 16.95% | 13.20% | 11.60% | 11.13% | 16.42% | -53 bps | |
| Net Interest Margin | 3.64% | 3.80% | 3.62% | 3.86% | 3.88% | 4.02% | 3.73% | 3.87% | 0 bps | |
| Efficiency Ratio | 79.11% | 78.94% | 84.97% | 73.56% | 77.65% | 79.75% | 80.49% | 75.11% | +154 bps | |
| Non-Interest Burden | 2.25% | 2.41% | 2.68% | 1.85% | 2.28% | 2.56% | 2.32% | 1.87% | +2 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 | 0.01% | 0.00% | 0.02% | 0.10% | 0.01% | -0.01% | -0.01% | 0.04% | -5 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 | |