Windsor, CO · Cert 3031 · First Nebraska Bancs Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Greeley, CO · 2026 SOD (annual) · 2.3% share · #12 of 24 inst. · $0.1B of $6.4B
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 | 1.00% | 1.15% | 1.02% | 1.19% | 1.10% | +11 bps | |
| Return on Equity | 13.06% | 14.17% | 12.24% | 14.52% | 13.78% | +72 bps | |
| Net Interest Margin | 3.45% | 3.58% | 3.50% | 3.50% | 3.61% | +16 bps | |
| Efficiency Ratio | 65.17% | 61.10% | 66.48% | 61.01% | 65.07% | -9 bps | |
| Non-Interest Burden | 2.10% | 2.02% | 2.19% | 1.99% | 2.22% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.36% | -1.98% | 2.40% | 6.58% | 9.43% | +1,078 bps | |
| Loan Growth (YoY) | 5.93% | 1.31% | -4.62% | 0.03% | -1.20% | -713 bps | |
| Deposit Growth (YoY) | 2.08% | 1.01% | 8.53% | 6.80% | 7.51% | +543 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.19% | 0.21% | 0.08% | 0.06% | -48 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.81% | 1.90% | 1.89% | 1.87% | 1.88% | +7 bps | |
| Allowance Coverage of NPLs | 3.4x | 9.9x | 9.2x | 24.6x | 33.9x | +30.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.56% | 9.67% | 9.63% | 9.36% | 9.22% | -34 bps | |
| Total Risk-Based Capital | 9.56% | 9.67% | 9.63% | 9.36% | 9.22% | -34 bps | |
| Equity / Assets | 7.76% | 8.45% | 8.23% | 8.15% | 7.89% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.36% | 65.91% | 62.99% | 61.65% | 60.99% | -537 bps | |
| Liquid Assets / Assets | 1.97% | 1.14% | 2.85% | 1.97% | 1.61% | -37 bps | |
| CRE / Total Capital | n/a | 231% | 235% | 235% | n/a | n/a | |