Omaha, NE · Cert 34363 · DS Holding Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 1.8% share · #11 of 77 inst. · $0.8B of $42.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.37% | 0.32% | 0.53% | 0.47% | 0.94% | 0.70% | 0.75% | +22 bps | |
| Return on Equity | 3.41% | 4.45% | 3.82% | 6.21% | 5.42% | 10.54% | 7.62% | 8.05% | +184 bps | |
| Net Interest Margin | 2.20% | 2.34% | 2.45% | 2.54% | 2.66% | 2.82% | 2.81% | 3.07% | +53 bps | |
| Efficiency Ratio | 89.64% | 84.23% | 88.80% | 86.41% | 83.94% | 75.67% | 77.89% | 77.24% | -917 bps | |
| Non-Interest Burden | 1.91% | 1.86% | 2.11% | 2.09% | 2.10% | 1.90% | 2.00% | 2.18% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.00% | 1.97% | 0.21% | -3.86% | -1.32% | -1.06% | -1.40% | -0.66% | +320 bps | |
| Loan Growth (YoY) | 3.58% | 0.97% | -1.09% | -4.55% | -5.51% | -6.40% | -6.35% | -5.83% | -128 bps | |
| Deposit Growth (YoY) | -0.84% | -2.56% | -7.69% | -5.51% | -4.78% | -0.09% | -3.36% | -4.88% | +63 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.28% | 0.20% | 0.22% | 0.19% | 0.21% | 0.17% | 0.11% | -10 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | -0.01% | 0.00% | 0.08% | 0.06% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.39% | 1.40% | 1.40% | 1.39% | 1.40% | 1.36% | 1.36% | 1.39% | 0 bps | |
| Allowance Coverage of NPLs | 5.3x | 5.0x | 7.1x | 6.4x | 7.5x | 6.5x | 8.1x | 12.3x | +5.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.63% | 8.68% | 8.93% | 9.23% | 9.30% | 9.45% | 9.77% | +84 bps | |
| Total Risk-Based Capital | 11.51% | 11.68% | 11.74% | 12.17% | 12.37% | 12.84% | 12.96% | 13.42% | +126 bps | |
| Equity / Assets | 8.23% | 8.25% | 8.39% | 8.74% | 8.73% | 9.11% | 9.16% | 9.54% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.56% | 106.11% | 105.63% | 106.45% | 103.75% | 99.41% | 102.36% | 105.39% | -106 bps | |
| Liquid Assets / Assets | 0.26% | 0.45% | 0.24% | 0.30% | 0.22% | 0.77% | 0.34% | 0.35% | +5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 537% | 523% | 520% | n/a | n/a | |