Nebraska City, NE · Cert 33450 · Oakland Financial Services Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 1.0% share · #16 of 77 inst. · $0.4B 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 | 0.71% | 0.76% | 0.70% | 0.73% | 0.83% | 0.87% | 0.82% | 0.94% | +21 bps | |
| Return on Equity | 8.20% | 8.65% | 7.73% | 8.14% | 9.34% | 9.78% | 9.47% | 10.80% | +266 bps | |
| Net Interest Margin | 3.43% | 3.34% | 3.84% | 3.80% | 3.82% | 3.59% | 3.84% | 3.86% | +6 bps | |
| Efficiency Ratio | 76.92% | 75.67% | 79.19% | 78.56% | 76.46% | 74.87% | 75.83% | 73.29% | -526 bps | |
| Non-Interest Burden | 2.48% | 2.35% | 2.92% | 2.83% | 2.73% | 2.48% | 2.75% | 2.63% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.67% | 4.01% | -0.10% | 2.95% | 3.17% | 8.62% | 15.42% | 11.49% | +855 bps | |
| Loan Growth (YoY) | 6.79% | 6.39% | 5.14% | 7.70% | 7.79% | 11.52% | 11.07% | 12.24% | +455 bps | |
| Deposit Growth (YoY) | 8.54% | 8.57% | 3.36% | 2.86% | 1.45% | 2.07% | 13.20% | 9.17% | +631 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.20% | 0.47% | 1.36% | 1.19% | 0.87% | 0.90% | 1.03% | -33 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.03% | 0.02% | 0.00% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 1.05% | 1.06% | 1.05% | 1.03% | 1.00% | 1.00% | 1.00% | 0.99% | -4 bps | |
| Allowance Coverage of NPLs | 4.8x | 5.3x | 2.2x | 0.8x | 0.8x | 1.1x | 1.1x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.01% | 9.33% | 9.29% | 9.07% | 9.02% | 9.06% | 8.91% | 8.69% | -38 bps | |
| Total Risk-Based Capital | 12.44% | 13.03% | 12.79% | 12.33% | 11.96% | 11.95% | 12.26% | 12.06% | -27 bps | |
| Equity / Assets | 8.61% | 9.12% | 9.01% | 8.78% | 8.66% | 8.88% | 8.44% | 8.70% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.40% | 93.25% | 92.64% | 95.56% | 98.17% | 101.88% | 90.90% | 98.26% | +269 bps | |
| Liquid Assets / Assets | 5.62% | 2.71% | 3.56% | 3.23% | 2.66% | 2.31% | 9.73% | 5.20% | +197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 278% | 290% | 295% | n/a | n/a | |