Broken Bow, NE · Cert 28543 · CFSB Holding Co.
State charter, non-member · FDIC · 2 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.67% | 0.72% | 0.83% | 0.89% | +32 bps | |
| Return on Equity | 5.35% | 6.14% | 6.55% | 7.43% | 7.94% | +259 bps | |
| Net Interest Margin | 3.04% | 3.19% | 3.16% | 3.30% | 3.45% | +41 bps | |
| Efficiency Ratio | 77.09% | 74.39% | 72.91% | 69.79% | 66.62% | -1,047 bps | |
| Non-Interest Burden | 2.30% | 2.32% | 2.25% | 2.24% | 2.24% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.01% | -0.27% | -0.72% | -0.78% | 0.03% | +5 bps | |
| Loan Growth (YoY) | -0.11% | 3.58% | 3.22% | 9.68% | 12.57% | +1,268 bps | |
| Deposit Growth (YoY) | 2.20% | -1.98% | 0.79% | 1.31% | 1.54% | -66 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | -15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.02% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 0.93% | 0.99% | 0.94% | 0.94% | -6 bps | |
| Allowance Coverage of NPLs | 6.7x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.90% | 12.17% | 11.89% | 11.78% | 11.99% | +9 bps | |
| Total Risk-Based Capital | 11.90% | 12.17% | 11.89% | 11.78% | 11.99% | +9 bps | |
| Equity / Assets | 11.19% | 11.39% | 11.06% | 11.19% | 11.54% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.68% | 85.53% | 75.87% | 79.36% | 87.22% | +854 bps | |
| Liquid Assets / Assets | 3.92% | 2.46% | 9.74% | 8.54% | 2.89% | -103 bps | |
| CRE / Total Capital | n/a | 27.50% | 13.80% | 15.47% | n/a | n/a | |