Grand Island, NE · Cert 31485 · Equitable Financial Corp.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 5.5% share · #6 of 22 inst. · $0.2B of $3.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.66% | 0.39% | 0.64% | 0.56% | 0.64% | 0.92% | 1.10% | +46 bps | |
| Return on Equity | 6.05% | 7.02% | 4.13% | 6.60% | 5.72% | 6.44% | 8.85% | 10.50% | +390 bps | |
| Net Interest Margin | 2.80% | 2.86% | 3.08% | 3.09% | 3.23% | 3.26% | 3.39% | 3.50% | +41 bps | |
| Efficiency Ratio | 79.04% | 77.26% | 74.09% | 73.96% | 74.23% | 74.29% | 74.19% | 71.06% | -290 bps | |
| Non-Interest Burden | 2.04% | 2.02% | 2.07% | 2.06% | 2.15% | 2.18% | 2.28% | 2.19% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 1.89% | 3.23% | 1.44% | 0.03% | 1.63% | -1.98% | 0.97% | -47 bps | |
| Loan Growth (YoY) | 4.52% | 2.01% | -0.88% | -0.40% | -0.91% | -1.29% | -0.47% | 0.82% | +121 bps | |
| Deposit Growth (YoY) | 2.98% | 3.80% | 4.65% | 1.07% | -2.08% | 1.14% | -2.46% | -1.43% | -249 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.23% | 0.38% | 0.35% | 0.02% | 0.01% | 0.01% | 0.01% | -35 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.02% | 0.44% | 0.22% | 0.34% | 0.25% | 0.00% | 0.00% | -23 bps | |
| Allowance / Loans | 1.35% | 1.32% | 1.36% | 1.35% | 1.38% | 1.36% | 1.33% | 1.30% | -5 bps | |
| Allowance Coverage of NPLs | 2.8x | 5.8x | 3.6x | 3.8x | 59.2x | 169.4x | 109.3x | 140.5x | +136.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.40% | 9.52% | 9.45% | 9.69% | 10.07% | 10.23% | 10.28% | 10.45% | +76 bps | |
| Total Risk-Based Capital | 12.76% | 12.84% | 13.17% | 13.42% | 13.77% | 13.82% | 14.20% | 14.03% | +61 bps | |
| Equity / Assets | 9.57% | 9.71% | 9.39% | 9.91% | 10.30% | 10.31% | 10.50% | 10.50% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.19% | 102.22% | 95.58% | 98.99% | 102.41% | 99.77% | 97.53% | 101.24% | +225 bps | |
| Liquid Assets / Assets | 0.92% | 0.74% | 4.11% | 0.65% | 1.41% | 0.62% | 1.42% | 0.71% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 315% | 303% | n/a | n/a | |