Lincoln, NE · Cert 5396 · TCM Co.
State charter, non-member · FDIC · 5 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
22
Asset Quality
26
Profitability
24
Liquidity
0
Efficiency
45
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.
Lincoln, NE · Cert 5396 · TCM Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 1.2% share · #17 of 33 inst. · $0.2B of $16.1B
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 | 0.90% | 0.94% | 0.28% | 0.65% | 0.81% | 0.95% | 1.16% | 0.76% | +10 bps | |
| Return on Equity | 8.84% | 9.29% | 2.86% | 6.55% | 8.07% | 9.32% | 10.79% | 7.10% | +55 bps | |
| Net Interest Margin | 2.83% | 2.75% | 2.89% | 3.05% | 3.34% | 3.36% | 3.52% | 3.55% | +50 bps | |
| Efficiency Ratio | 66.95% | 64.98% | 69.59% | 65.54% | 61.88% | 60.09% | 62.11% | 62.11% | -343 bps | |
| Non-Interest Burden | 1.72% | 1.62% | 1.94% | 1.89% | 1.94% | 1.87% | 2.07% | 2.08% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 7.70% | 9.49% | 5.69% | 1.05% | 1.88% | -1.57% | -0.14% | -583 bps | |
| Loan Growth (YoY) | 1.93% | 9.03% | 7.22% | 7.11% | 6.91% | 3.33% | 2.22% | -0.08% | -719 bps | |
| Deposit Growth (YoY) | 14.30% | 18.27% | 24.32% | 4.79% | -4.40% | -2.05% | -2.85% | 2.44% | -235 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.34% | 0.14% | 0.29% | 0.32% | 0.60% | 0.81% | 0.96% | +67 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.78% | 0.39% | 0.26% | 0.19% | 0.00% | 0.03% | -36 bps | |
| Allowance / Loans | 1.03% | 0.99% | 0.97% | 1.00% | 1.11% | 1.10% | 1.11% | 1.42% | +43 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.9x | 6.9x | 3.5x | 3.4x | 1.8x | 1.4x | 1.5x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.13% | 9.64% | 9.61% | 9.77% | 10.36% | 10.55% | 10.63% | 10.03% | +26 bps | |
| Total Risk-Based Capital | 10.13% | 9.64% | 9.61% | 9.77% | 10.36% | 10.55% | 10.63% | 10.03% | +26 bps | |
| Equity / Assets | 10.09% | 9.95% | 9.69% | 10.25% | 10.47% | 10.52% | 10.91% | 10.52% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.47% | 99.77% | 97.87% | 104.86% | 106.77% | 105.25% | 102.98% | 102.29% | -257 bps | |
| Liquid Assets / Assets | 6.10% | 2.10% | 4.47% | 1.68% | 1.72% | 1.74% | 1.66% | 1.50% | -18 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 498% | 506% | 497% | n/a | n/a | |
Lincoln, NE · Cert 5396 · Peer group: banks under $1B in assets in NE (n=83) · TCM Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
0.77%
Rank 73 of 83
Net Interest Margin
3.55%
Rank 46 of 83
Efficiency Ratio
62.11%
Rank 47 of 83
Equity / Assets
10.52%
Rank 51 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.93% | 1.20% | 1.51% | Beats 12% | 73 / 83 | ||
| Return on Equity | 7.31% | 8.04% | 10.34% | 13.11% | Beats 14% | 71 / 83 | ||
| Net Interest Margin | 3.55% | 3.25% | 3.62% | 4.02% | Beats 45% | 46 / 83 | ||
| Efficiency Ratio | 62.11% | 51.13% | 59.95% | 67.19% | Beats 45% | 47 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.96% | 0.00% | 0.19% | 0.96% | Beats 25% | 63 / 83 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 27% | 62 / 83 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.03% | 10.94% | 13.24% | 16.62% | Beats 13% | 72 / 83 | ||
| Total Risk-Based Capital Ratio | 10.03% | 11.04% | 13.54% | 17.63% | Beats 13% | 72 / 83 | ||
| Equity / Assets | 10.52% | 9.90% | 11.31% | 13.84% | Beats 39% | 51 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.29% | 71.97% | 83.15% | 92.22% | 92nd pctl | 7 / 83 | ||
| Loans / Assets | 91.25% | 57.96% | 69.15% | 77.64% | 99th pctl | 1 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||