North Platte, NE · Cert 34811 · Nebraskaland Finl Services Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.27% | 0.57% | 0.48% | 0.56% | +15 bps | |
| Return on Equity | 4.50% | 2.93% | 6.31% | 5.43% | 6.54% | +203 bps | |
| Net Interest Margin | 2.37% | 2.51% | 2.59% | 2.59% | 2.64% | +27 bps | |
| Efficiency Ratio | 77.98% | 74.23% | 68.99% | 74.43% | 71.35% | -662 bps | |
| Non-Interest Burden | 1.80% | 1.82% | 1.74% | 1.88% | 1.84% | +4 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 / Loans | 1.15% | 0.31% | 0.30% | 0.29% | 0.29% | -86 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 0.89% | 0.94% | 0.94% | 0.97% | -7 bps | |
| Allowance Coverage of NPLs | 0.9x | 2.9x | 3.1x | 3.3x | 3.4x | +2.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.69% | 9.73% | 9.36% | 9.46% | 9.12% | -58 bps | |
| Total Risk-Based Capital | 9.69% | 9.73% | 9.36% | 9.46% | 9.12% | -58 bps | |
| Equity / Assets | 9.24% | 9.13% | 8.88% | 8.78% | 8.51% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.44% | 93.72% | 94.35% | 94.64% | 86.36% | -908 bps | |
| Liquid Assets / Assets | 7.81% | 9.81% | 10.82% | 10.43% | 14.00% | +619 bps | |
| CRE / Total Capital | n/a | 353% | 364% | 361% | n/a | n/a | |