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Sidney Federal Savings and Loan Association

Sidney, NE · Cert 29379

State savings bank · OCC · 1 branch

Q2 2026

$55.6MAssets
$15.5MLoans
$44.6MDeposits
$7.8MEquity
Loan mix
86%RE $10.6M8%C&I $1.0M6%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
97%Interest-bearing $43.2M3%Noninterest $1.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.63%, down 43 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 2.00% of loans (+196 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 14.21%, down 865 bps from a year ago.
  • Funding: loans stand at 34.84% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.63%-43 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+85 bps YoY

Efficiency Ratio (quarter, annualized)

40.76%+1,376 bps YoY

Tier 1 Leverage Ratio

14.21%-865 bps YoY

NIM

4.44%Q2 ’244.26%Q2 ’254.38%Q2 ’26+4%+32%

Non-interest income vs. expense

5.42%Q2 ’240.73%Q2 ’251.44%Q2 ’26-88%+114%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.85%-3.02%-3.05%2.06%1.93%1.98%1.84%1.63%-43 bps
Return on Equity-70.96%-94.67%-122.73%15.91%12.17%13.11%12.52%11.42%-449 bps
Net Interest Margin2.29%1.87%2.11%2.66%3.64%3.87%3.53%3.51%+85 bps
Efficiency Ratio215%250%234%27.00%47.73%46.15%47.82%40.76%+1,376 bps
Non-Interest Burden5.10%4.85%5.16%0.65%1.70%1.76%1.66%1.39%+74 bps
Growth
Asset Growth (YoY)-2.22%0.97%0.15%204%229%244%278%30.43%-17,391 bps
Loan Growth (YoY)-7.89%-7.94%-6.34%-16.01%-1.83%15.27%63.74%135.86%+15,187 bps
Deposit Growth (YoY)0.57%4.15%3.69%169.06%192.68%203%225%26.09%-14,297 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.42%0.20%0.05%0.00%0.00%0.00%2.00%+196 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.05%+5 bps
Allowance / Loans1.20%1.24%1.26%1.81%1.53%1.35%1.04%0.90%-91 bps
Allowance Coverage of NPLs1.9x3.0x6.3x39.7xn/an/an/a0.4x-39.2x
Capital
Tier 1 Leverage Ratio3.67%2.78%2.12%22.86%15.16%15.29%14.40%14.21%-865 bps
Total Risk-Based Capital7.69%6.46%5.16%52.08%47.23%46.75%39.84%35.54%-1,654 bps
Equity / Assets3.60%2.79%2.16%16.52%15.29%14.94%14.40%14.09%-243 bps
Liquidity & Funding
Loans / Deposits57.27%54.07%55.49%18.63%19.21%20.54%27.92%34.84%+1,622 bps
Liquid Assets / Assets26.39%26.59%28.55%8.51%2.57%2.49%2.43%2.89%-562 bps
CRE / Total Capitaln/an/an/an/a0.29%11.75%61.93%n/an/a