Core Bank
Omaha, NE · Cert 34363 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · DS Holding Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$1.1BAssets
$878.7MLoans
$833.7MDeposits
$101.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 12 of 178).
- Widest gap: efficiency ratio trails 93% of banks $1B-$10B in assets operating regionally (rank 166 of 178).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 150 of 178
Net Interest Margin
2.96%
Rank 155 of 178
Efficiency Ratio
77.55%
Rank 166 of 178
Equity / Assets
9.54%
Rank 119 of 178
Non-interest income vs. expense
Unfavorable gap of $22.6M · efficiency ratio beats 7% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.91% | 1.25% | 1.53% | Beats 16% | 150 / 178 | |
| Return on Equity | 7.68% | 9.18% | 11.89% | 14.44% | Beats 14% | 153 / 178 | |
| Net Interest Margin | 2.96% | 3.22% | 3.56% | 3.91% | Beats 13% | 155 / 178 | |
| Efficiency Ratio | 77.55% | 52.04% | 58.90% | 67.10% | Beats 7% | 166 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.29% | 0.60% | 1.26% | Beats 91% | 17 / 178 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 12 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 12.17% | 11.19% | 12.72% | 14.14% | Beats 43% | 101 / 178 | |
| Total Risk-Based Capital Ratio | 13.42% | 11.91% | 13.63% | 15.33% | Beats 47% | 94 / 178 | |
| Equity / Assets | 9.54% | 9.12% | 10.35% | 11.80% | Beats 33% | 119 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 105.39% | 80.94% | 89.92% | 97.12% | 95th pctl | 9 / 178 | |
| Loans / Assets | 82.41% | 69.25% | 75.52% | 80.96% | 81st pctl | 34 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |