Fullerton, NE · Cert 5405 · First National Holding Co. Inc.
State charter, Fed member · FED · 2 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 | 1.12% | 0.99% | 1.01% | 0.89% | 1.24% | +11 bps | |
| Return on Equity | 8.98% | 7.90% | 8.04% | 6.93% | 9.28% | +30 bps | |
| Net Interest Margin | 2.99% | 3.02% | 2.97% | 3.02% | 3.06% | +6 bps | |
| Efficiency Ratio | 59.80% | 63.99% | 63.04% | 67.53% | 61.07% | +127 bps | |
| Non-Interest Burden | 1.67% | 1.83% | 1.78% | 1.94% | 1.72% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 5.61% | 6.80% | 0.95% | 1.85% | -422 bps | |
| Loan Growth (YoY) | 1.14% | 4.55% | 5.01% | 0.14% | 0.90% | -23 bps | |
| Deposit Growth (YoY) | 4.00% | 2.72% | 9.22% | 0.29% | 1.17% | -282 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.39% | 1.29% | 1.30% | 1.44% | 1.38% | -2 bps | |
| Allowance Coverage of NPLs | 319.7x | 957.0x | 319.0x | 7.4x | 478.5x | +158.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.73% | 13.68% | 13.33% | 14.12% | 14.20% | +47 bps | |
| Total Risk-Based Capital | 13.73% | 13.68% | 13.33% | 14.12% | 14.20% | +47 bps | |
| Equity / Assets | 12.62% | 12.56% | 12.62% | 13.21% | 13.45% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.03% | 95.18% | 85.26% | 80.01% | 82.81% | -22 bps | |
| Liquid Assets / Assets | 5.76% | 4.35% | 4.33% | 8.75% | 4.29% | -147 bps | |
| CRE / Total Capital | n/a | 27.81% | 28.31% | 28.86% | n/a | n/a | |