PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nebraskaland Bank

North Platte, NE · Cert 34811 · Nebraskaland Finl Services Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$1.1BAssets
$737.3MLoans
$853.7MDeposits
$90.6MEquity
Loan mix
85%RE $545.3M14%C&I $91.8M1%Consumer $6.5MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $732.8M14%Noninterest $120.9MQ2 2025Q2 2026

NIM

4.13%Q2 ’244.32%Q2 ’254.46%Q2 ’26+12%+12%

Non-interest income vs. expense

1.85%Q2 ’242.00%Q2 ’251.97%Q2 ’26+6%+0%

Executive Summary

  • Earnings: ROA of 0.52%, up 17 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.29% of loans (-86 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.12%, down 58 bps from a year ago.
  • Funding: loans stand at 86.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+28 bps YoY

Efficiency Ratio (YTD, annualized)

72.84%-821 bps YoY

Tier 1 Leverage Ratio

9.12%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.32%0.39%0.48%0.52%+17 bps
Return on Equity3.85%3.53%4.24%5.43%5.99%+214 bps
Net Interest Margin2.27%2.34%2.38%2.59%2.55%+28 bps
Efficiency Ratio81.06%78.66%76.07%74.43%72.84%-821 bps
Non-Interest Burden1.80%1.81%1.77%1.88%1.81%+1 bps
Growth
Asset Growth (YoY)-3.27%-0.02%3.03%4.19%12.24%+1,551 bps
Loan Growth (YoY)3.87%11.11%7.02%7.49%6.77%+290 bps
Deposit Growth (YoY)-3.13%-0.30%4.48%4.48%17.99%+2,112 bps
Asset Quality
Nonperforming Loans / Loans1.15%0.31%0.30%0.29%0.29%-86 bps
Net Charge-Offs / Loans0.00%0.33%0.25%0.00%0.00%0 bps
Allowance / Loans1.04%0.89%0.94%0.94%0.97%-7 bps
Allowance Coverage of NPLs0.9x2.9x3.1x3.3x3.4x+2.5x
Capital
Tier 1 Leverage Ratio9.69%9.73%9.36%9.46%9.12%-58 bps
Total Risk-Based Capital9.69%9.73%9.36%9.46%9.12%-58 bps
Equity / Assets9.24%9.13%8.88%8.78%8.51%-73 bps
Liquidity & Funding
Loans / Deposits95.44%93.72%94.35%94.64%86.36%-908 bps
Liquid Assets / Assets7.81%9.81%10.82%10.43%14.00%+619 bps
CRE / Total Capitaln/a353%364%361%n/an/a