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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.95% | 1.00% | 1.00% | 1.15% | 1.02% | 1.19% | 1.10% | +11 bps | |
| Return on Equity | 12.49% | 12.96% | 13.89% | 13.06% | 14.17% | 12.24% | 14.52% | 13.78% | +72 bps | |
| Net Interest Margin | 3.07% | 3.16% | 3.26% | 3.45% | 3.58% | 3.50% | 3.50% | 3.61% | +16 bps | |
| Efficiency Ratio | 68.34% | 64.91% | 62.75% | 65.17% | 61.10% | 66.48% | 61.01% | 65.07% | -9 bps | |
| Non-Interest Burden | 1.96% | 1.92% | 1.91% | 2.10% | 2.02% | 2.19% | 1.99% | 2.22% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.97% | 3.82% | -0.44% | -1.36% | -1.98% | 2.40% | 6.58% | 9.43% | +1,078 bps | |
| Loan Growth (YoY) | 12.46% | 13.70% | 6.06% | 5.93% | 1.31% | -4.62% | 0.03% | -1.20% | -713 bps | |
| Deposit Growth (YoY) | -0.72% | -0.26% | 2.81% | 2.08% | 1.01% | 8.53% | 6.80% | 7.51% | +543 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.07% | 0.27% | 0.53% | 0.19% | 0.21% | 0.08% | 0.06% | -48 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.79% | 1.70% | 1.80% | 1.81% | 1.90% | 1.89% | 1.87% | 1.88% | +7 bps | |
| Allowance Coverage of NPLs | 19.1x | 23.1x | 6.6x | 3.4x | 9.9x | 9.2x | 24.6x | 33.9x | +30.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.23% | 9.25% | 9.44% | 9.56% | 9.67% | 9.63% | 9.36% | 9.22% | -34 bps | |
| Total Risk-Based Capital | 9.23% | 9.25% | 9.44% | 9.56% | 9.67% | 9.63% | 9.36% | 9.22% | -34 bps | |
| Equity / Assets | 7.71% | 6.90% | 7.51% | 7.76% | 8.45% | 8.23% | 8.15% | 7.89% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.72% | 71.68% | 65.83% | 66.36% | 65.91% | 62.99% | 61.65% | 60.99% | -537 bps | |
| Liquid Assets / Assets | 0.59% | 0.74% | 2.75% | 1.97% | 1.14% | 2.85% | 1.97% | 1.61% | -37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 231% | 235% | 235% | n/a | n/a | |