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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 1.06% | 0.28% | 1.02% | 1.15% | 1.35% | 1.16% | 0.35% | -67 bps | |
| Return on Equity | 6.39% | 10.54% | 2.86% | 10.26% | 11.07% | 12.88% | 10.79% | 3.27% | -698 bps | |
| Net Interest Margin | 2.77% | 3.00% | 2.89% | 3.24% | 3.70% | 3.61% | 3.52% | 3.60% | +36 bps | |
| Efficiency Ratio | 73.78% | 59.60% | 69.59% | 62.11% | 55.63% | 55.30% | 62.11% | 62.11% | 0 bps | |
| Non-Interest Burden | 1.96% | 1.60% | 1.94% | 1.86% | 1.88% | 1.79% | 2.07% | 2.10% | +23 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% | 0.01% | 0.78% | 0.00% | 0.00% | 0.02% | 0.00% | 0.06% | +5 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 | |