Sidney, NE · Cert 29379
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.06% | 1.93% | 1.98% | 1.84% | 1.63% | -43 bps | |
| Return on Equity | 15.91% | 12.17% | 13.11% | 12.52% | 11.42% | -449 bps | |
| Net Interest Margin | 2.66% | 3.64% | 3.87% | 3.53% | 3.51% | +85 bps | |
| Efficiency Ratio | 27.00% | 47.73% | 46.15% | 47.82% | 40.76% | +1,376 bps | |
| Non-Interest Burden | 0.65% | 1.70% | 1.76% | 1.66% | 1.39% | +74 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% | 0.05% | +5 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 | |