Chester, NE · Cert 4778 · Summerfield Finl Services LLC
National charter · OCC · 11 branches
Q2 2026
Market Position · Grand Island, NE · 2026 SOD (annual) · 0.6% share · #19 of 22 inst. · $0.0B of $3.6B
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 | 0.96% | 1.08% | 1.02% | 1.21% | 1.19% | +23 bps | |
| Return on Equity | 10.54% | 11.64% | 10.62% | 12.77% | 12.68% | +214 bps | |
| Net Interest Margin | 3.65% | 3.75% | 3.84% | 3.77% | 3.88% | +24 bps | |
| Efficiency Ratio | 67.37% | 64.65% | 65.22% | 60.57% | 62.05% | -532 bps | |
| Non-Interest Burden | 2.38% | 2.34% | 2.35% | 2.20% | 2.32% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.83% | 1.60% | -2.06% | 6.46% | 4.93% | +310 bps | |
| Loan Growth (YoY) | 2.54% | 2.06% | -1.24% | 2.45% | 6.14% | +360 bps | |
| Deposit Growth (YoY) | 1.57% | 3.27% | 3.71% | 6.45% | 4.69% | +312 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% | -1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.17% | 1.15% | 1.17% | 1.17% | 1.14% | -2 bps | |
| Allowance Coverage of NPLs | 34.6x | 40.9x | 45.9x | 50.8x | 54.4x | +19.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.05% | 9.25% | 9.31% | 9.24% | 9.15% | +10 bps | |
| Total Risk-Based Capital | 12.87% | 13.08% | 13.08% | 9.24% | 9.15% | -372 bps | |
| Equity / Assets | 9.05% | 9.53% | 9.70% | 9.31% | 9.45% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.90% | 89.49% | 90.96% | 84.68% | 88.11% | +121 bps | |
| Liquid Assets / Assets | 2.89% | 3.09% | 3.17% | 3.44% | 3.79% | +90 bps | |
| CRE / Total Capital | n/a | 202% | 193.82% | 197.06% | n/a | n/a | |