Omaha, NE · Cert 33380 · Enterprise Holding Co.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 1.1% share · #15 of 77 inst. · $0.5B of $42.7B
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 | 0.42% | 0.49% | 0.69% | 0.75% | 0.78% | 0.91% | 0.89% | 0.94% | +19 bps | |
| Return on Equity | 3.99% | 4.71% | 6.60% | 7.15% | 7.31% | 8.49% | 8.23% | 8.64% | +149 bps | |
| Net Interest Margin | 2.27% | 2.28% | 2.60% | 2.67% | 2.67% | 2.64% | 2.80% | 2.93% | +27 bps | |
| Efficiency Ratio | 74.65% | 70.60% | 64.47% | 62.95% | 62.36% | 59.86% | 58.77% | 58.38% | -457 bps | |
| Non-Interest Burden | 1.67% | 1.58% | 1.63% | 1.63% | 1.62% | 1.53% | 1.59% | 1.65% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.76% | 5.93% | 5.66% | 6.42% | 4.24% | 10.35% | 11.14% | 7.35% | +93 bps | |
| Loan Growth (YoY) | 10.06% | 3.27% | 4.30% | 5.64% | 3.97% | 3.82% | 5.42% | 3.37% | -227 bps | |
| Deposit Growth (YoY) | 16.02% | 5.78% | 3.83% | 4.81% | 2.86% | 10.22% | 13.98% | 8.36% | +355 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.08% | 1.08% | 1.12% | 1.14% | 1.13% | 1.13% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.86% | 10.63% | 10.90% | 10.83% | 11.41% | 11.11% | 11.05% | 11.15% | +32 bps | |
| Total Risk-Based Capital | 12.73% | 13.01% | 12.94% | 12.80% | 13.87% | 14.33% | 13.80% | 13.90% | +110 bps | |
| Equity / Assets | 10.42% | 10.56% | 10.46% | 10.61% | 11.24% | 10.91% | 10.64% | 11.19% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.51% | 106.90% | 105.96% | 109.49% | 107.67% | 100.70% | 98.00% | 104.45% | -504 bps | |
| Liquid Assets / Assets | 10.06% | 10.26% | 11.36% | 8.67% | 11.11% | 15.70% | 14.88% | 11.28% | +262 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 568% | 556% | 574% | n/a | n/a | |