McCook, NE · Cert 34995 · Central Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
13
Profitability
30
Liquidity
32
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
McCook, NE · Cert 34995 · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
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 | 0.38% | -0.56% | -0.71% | -0.22% | -0.02% | 0.56% | 0.61% | 0.66% | +88 bps | |
| Return on Equity | 3.45% | -5.22% | -7.29% | -2.27% | -0.23% | 5.53% | 5.66% | 5.98% | +825 bps | |
| Net Interest Margin | 4.36% | 4.17% | 3.49% | 3.63% | 3.71% | 3.81% | 3.60% | 3.85% | +22 bps | |
| Efficiency Ratio | 86.30% | 113.90% | 91.75% | 82.95% | 83.75% | 69.01% | 77.53% | 77.00% | -595 bps | |
| Non-Interest Burden | 3.74% | 4.77% | 3.19% | 2.99% | 3.08% | 2.58% | 2.76% | 2.93% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | 4.75% | 4.20% | 2.24% | -2.16% | -2.30% | -3.16% | -2.81% | -505 bps | |
| Loan Growth (YoY) | -5.69% | 2.33% | -0.86% | -4.31% | -6.73% | -8.40% | -5.95% | 11.48% | +1,579 bps | |
| Deposit Growth (YoY) | -4.53% | 4.16% | 4.34% | 2.85% | -0.19% | -0.79% | -2.01% | -0.62% | -347 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.04% | 5.88% | 6.66% | 6.43% | 8.31% | 6.43% | 6.09% | 5.80% | -63 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.07% | 4.99% | 2.79% | 1.85% | 1.30% | -0.08% | -0.04% | -282 bps | |
| Allowance / Loans | 2.04% | 2.09% | 1.32% | 1.56% | 1.68% | 1.80% | 1.90% | 1.66% | +10 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.2x | 0.2x | 0.2x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.29% | 9.91% | 9.73% | 9.86% | 10.20% | 10.74% | 10.97% | 11.30% | +144 bps | |
| Total Risk-Based Capital | 13.75% | 12.32% | 13.14% | 13.80% | 13.70% | 14.94% | 15.20% | 14.37% | +57 bps | |
| Equity / Assets | 11.05% | 9.77% | 9.69% | 9.96% | 10.43% | 10.63% | 11.00% | 11.28% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.59% | 88.16% | 84.67% | 84.95% | 87.46% | 81.39% | 81.27% | 95.30% | +1,034 bps | |
| Liquid Assets / Assets | 10.00% | 8.72% | 8.85% | 10.16% | 9.77% | 10.19% | 11.22% | 7.81% | -235 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 167.36% | 134.10% | 128.46% | n/a | n/a | |
McCook, NE · Cert 34995 · Peer group: banks under $1B in assets in NE (n=83) · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
Return on Assets
0.67%
Rank 74 of 83
Net Interest Margin
3.85%
Rank 28 of 83
Efficiency Ratio
77.00%
Rank 74 of 83
Equity / Assets
11.28%
Rank 44 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.93% | 1.20% | 1.51% | Beats 11% | 74 / 83 | ||
| Return on Equity | 5.92% | 8.04% | 10.34% | 13.11% | Beats 12% | 73 / 83 | ||
| Net Interest Margin | 3.85% | 3.25% | 3.62% | 4.02% | Beats 66% | 28 / 83 | ||
| Efficiency Ratio | 77.00% | 51.13% | 59.95% | 67.19% | Beats 12% | 74 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.80% | 0.00% | 0.19% | 0.96% | Beats 2% | 82 / 83 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.02% | Beats 23% | 65 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.11% | 10.94% | 13.24% | 16.62% | Beats 48% | 43 / 83 | ||
| Total Risk-Based Capital Ratio | 14.37% | 11.04% | 13.54% | 17.63% | Beats 57% | 36 / 83 | ||
| Equity / Assets | 11.28% | 9.90% | 11.31% | 13.84% | Beats 47% | 44 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.30% | 71.97% | 83.15% | 92.22% | 84th pctl | 13 / 83 | ||
| Loans / Assets | 82.11% | 57.96% | 69.15% | 77.64% | 88th pctl | 10 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||