Genoa, NE · Cert 5408
State charter, non-member · FDIC · 1 branch
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 | 1.14% | 1.16% | 1.15% | 1.03% | 1.35% | +22 bps | |
| Return on Equity | 10.01% | 9.91% | 9.57% | 8.76% | 11.27% | +126 bps | |
| Net Interest Margin | 3.83% | 4.05% | 4.00% | 3.92% | 3.98% | +16 bps | |
| Efficiency Ratio | 65.12% | 64.26% | 66.09% | 66.58% | 61.08% | -404 bps | |
| Non-Interest Burden | 2.36% | 2.50% | 2.56% | 2.51% | 2.25% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.58% | 1.43% | -0.14% | 3.57% | -0.78% | -836 bps | |
| Loan Growth (YoY) | 9.73% | 4.03% | 4.89% | 6.00% | -7.95% | -1,768 bps | |
| Deposit Growth (YoY) | 8.47% | 7.91% | 12.95% | 8.77% | -0.37% | -884 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.10% | 1.03% | 1.12% | 1.23% | +19 bps | |
| Allowance Coverage of NPLs | 262.0x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.83% | 12.89% | 12.76% | 13.02% | 12.92% | +9 bps | |
| Total Risk-Based Capital | 16.50% | 17.30% | 16.03% | 17.26% | 19.16% | +266 bps | |
| Equity / Assets | 11.20% | 12.22% | 11.79% | 11.82% | 12.23% | +103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.69% | 82.77% | 90.41% | 80.63% | 77.32% | -637 bps | |
| Liquid Assets / Assets | 2.18% | 1.48% | 0.03% | 2.17% | 1.34% | -84 bps | |
| CRE / Total Capital | n/a | 95.43% | 86.72% | 72.01% | n/a | n/a | |