Gordon, NE · Cert 5410 · Isham Management Co.
National charter · OCC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.48% | 2.48% | 2.40% | 2.40% | 2.16% | -32 bps | |
| Return on Equity | 21.33% | 20.69% | 19.44% | 17.73% | 15.71% | -561 bps | |
| Net Interest Margin | 4.17% | 4.38% | 4.25% | 4.23% | 4.25% | +7 bps | |
| Efficiency Ratio | 34.00% | 34.50% | 37.31% | 36.26% | 39.37% | +537 bps | |
| Non-Interest Burden | 1.02% | 1.14% | 1.27% | 1.10% | 1.38% | +36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.76% | 4.33% | 9.14% | -3.71% | -4.64% | -2,140 bps | |
| Loan Growth (YoY) | -11.45% | -7.32% | -6.07% | 1.46% | 6.86% | +1,832 bps | |
| Deposit Growth (YoY) | 17.72% | 3.22% | 8.75% | -6.21% | -7.22% | -2,494 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.39% | 1.25% | 1.23% | 1.50% | 1.30% | -9 bps | |
| Net Charge-Offs / Loans | 0.56% | 0.23% | 0.31% | 0.18% | 0.16% | -39 bps | |
| Allowance / Loans | 3.12% | 3.22% | 3.05% | 3.02% | 3.04% | -8 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.6x | 2.5x | 2.0x | 2.3x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.26% | 13.25% | 13.07% | 13.65% | 14.09% | +183 bps | |
| Total Risk-Based Capital | 34.63% | 35.83% | 38.04% | 37.38% | 37.74% | +311 bps | |
| Equity / Assets | 11.89% | 12.94% | 13.74% | 13.29% | 14.23% | +234 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 33.30% | 34.20% | 35.50% | 35.44% | 38.35% | +505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 17.24% | 16.85% | 17.03% | n/a | n/a | |