Sidney, NE · Cert 29379
State savings bank · OCC · 1 branch
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 | 0.30% | 1.14% | 1.47% | 1.84% | 1.54% | +123 bps | |
| Return on Equity | 2.79% | 9.00% | 11.01% | 12.52% | 10.62% | +784 bps | |
| Net Interest Margin | 1.85% | 2.01% | 2.43% | 3.53% | 3.45% | +159 bps | |
| Efficiency Ratio | 87.23% | 63.62% | 56.75% | 47.82% | 44.22% | -4,302 bps | |
| Non-Interest Burden | 1.59% | 1.25% | 1.35% | 1.66% | 1.49% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 204% | 229% | 244% | 278% | 30.43% | -17,391 bps | |
| Loan Growth (YoY) | -16.01% | -1.83% | 15.27% | 63.74% | 135.86% | +15,187 bps | |
| Deposit Growth (YoY) | 169.06% | 192.68% | 203% | 225% | 26.09% | -14,297 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.05% | 0.00% | 0.00% | 0.00% | 2.00% | +196 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Allowance / Loans | 1.81% | 1.53% | 1.35% | 1.04% | 0.90% | -91 bps | |
| Allowance Coverage of NPLs | 39.7x | n/a | n/a | n/a | 0.4x | -39.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 22.86% | 15.16% | 15.29% | 14.40% | 14.21% | -865 bps | |
| Total Risk-Based Capital | 52.08% | 47.23% | 46.75% | 39.84% | 35.54% | -1,654 bps | |
| Equity / Assets | 16.52% | 15.29% | 14.94% | 14.40% | 14.09% | -243 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 18.63% | 19.21% | 20.54% | 27.92% | 34.84% | +1,622 bps | |
| Liquid Assets / Assets | 8.51% | 2.57% | 2.49% | 2.43% | 2.89% | -562 bps | |
| CRE / Total Capital | n/a | 0.29% | 11.75% | 61.93% | n/a | n/a | |