Sidney Federal Savings and Loan Association
Sidney, NE · Cert 29379 · Peer group: banks under $1B in assets in NE (n=83)
State savings bank · OCC · 1 branch
Q2 2026
$55.6MAssets
$15.5MLoans
$44.6MDeposits
$7.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of banks under $1B in assets in NE (rank 2 of 83).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in NE (rank 75 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.47%
Rank 23 of 83
Net Interest Margin
3.45%
Rank 54 of 83
Efficiency Ratio
44.22%
Rank 10 of 83
Equity / Assets
14.09%
Rank 19 of 83
Non-interest income vs. expense
Unfavorable gap of $804K · efficiency ratio beats 89% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.93% | 1.20% | 1.51% | Beats 72% | 23 / 83 | | |
| Return on Equity | 10.45% | 8.04% | 10.34% | 13.11% | Beats 51% | 41 / 83 | | |
| Net Interest Margin | 3.45% | 3.25% | 3.62% | 4.02% | Beats 35% | 54 / 83 | | |
| Efficiency Ratio | 44.22% | 51.13% | 59.95% | 67.19% | Beats 89% | 10 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.00% | 0.00% | 0.19% | 0.96% | Beats 11% | 75 / 83 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 29% | 60 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 34.90% | 10.94% | 13.24% | 16.62% | Beats 98% | 2 / 83 | | |
| Total Risk-Based Capital Ratio | 35.54% | 11.04% | 13.54% | 17.63% | Beats 96% | 3 / 83 | | |
| Equity / Assets | 14.09% | 9.90% | 11.31% | 13.84% | Beats 77% | 19 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 34.84% | 71.97% | 83.15% | 92.22% | 0th pctl | 83 / 83 | | |
| Loans / Assets | 27.95% | 57.96% | 69.15% | 77.64% | 1st pctl | 82 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |