Tecumseh, NE · Cert 30395
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 | 0.30%1 | 0.36%1 | -0.02% | 0.08% | 0.44% | +14 bps | |
| Return on Equity | 1.49% | 1.76% | -0.07% | 0.39% | 2.12% | +63 bps | |
| Net Interest Margin | 2.03% | 2.13% | 2.30% | 2.40% | 2.46% | +43 bps | |
| Efficiency Ratio | 99.76% | 95.85% | 96.59% | 86.06% | 83.72% | -1,604 bps | |
| Non-Interest Burden | 2.02% | 2.00% | 2.18% | 1.89% | 1.87% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.30% | 2.79% | 1.14% | 0.07% | -0.71% | -301 bps | |
| Loan Growth (YoY) | -4.49% | -5.81% | -5.02% | -1.65% | 0.48% | +498 bps | |
| Deposit Growth (YoY) | 0.03% | 2.12% | 0.50% | 2.09% | 1.04% | +101 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.52% | 0.68% | 0.17% | 0.17% | -4 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.08% | 0.14% | -0.02% | -0.17% | -26 bps | |
| Allowance / Loans | 1.29% | 1.28% | 1.22% | 1.23% | 1.27% | -1 bps | |
| Allowance Coverage of NPLs | 6.2x | 2.5x | 1.8x | 7.3x | 7.6x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.02% | 21.42% | 21.28% | 21.22% | 21.26% | +25 bps | |
| Total Risk-Based Capital | 21.02% | 21.42% | 21.28% | 21.22% | 21.26% | +25 bps | |
| Equity / Assets | 20.17% | 20.84% | 20.85% | 20.87% | 20.99% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.36% | 71.60% | 71.52% | 71.05% | 71.97% | -40 bps | |
| Liquid Assets / Assets | 13.57% | 14.57% | 14.81% | 16.70% | 17.10% | +353 bps | |
| CRE / Total Capital | n/a | 12.92% | 14.99% | 18.75% | n/a | n/a | |