PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Gordon, The

Gordon, NE · Cert 5410 · Isham Management Co.

National charter · OCC · 1 branch

Q2 2026

$357.5MAssets
$117.2MLoans
$305.6MDeposits
$50.9MEquity
Loan mix
79%RE $49.5M10%C&I $6.0M11%Consumer $6.8MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $243.5M20%Noninterest $62.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.16%, down 32 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 1.30% of loans (-9 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 14.09%, up 183 bps from a year ago.
  • Funding: loans stand at 38.35% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.16%-32 bps YoY

Net Interest Margin (YTD, annualized)

4.25%+7 bps YoY

Efficiency Ratio (YTD, annualized)

39.37%+537 bps YoY

Tier 1 Leverage Ratio

14.09%+183 bps YoY

NIM

5.35%Q2 ’245.06%Q2 ’255.06%Q2 ’26-2%+2%

Non-interest income vs. expense

1.73%Q2 ’241.62%Q2 ’251.86%Q2 ’26+24%+35%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.61%2.42%2.53%2.48%2.48%2.40%2.40%2.16%-32 bps
Return on Equity22.94%21.02%22.04%21.33%20.69%19.44%17.73%15.71%-561 bps
Net Interest Margin4.32%4.13%4.23%4.17%4.38%4.25%4.23%4.25%+7 bps
Efficiency Ratio33.65%36.24%34.27%34.00%34.50%37.31%36.26%39.37%+537 bps
Non-Interest Burden0.89%1.02%1.06%1.02%1.14%1.27%1.10%1.38%+36 bps
Growth
Asset Growth (YoY)15.85%3.52%10.02%16.76%4.33%9.14%-3.71%-4.64%-2,140 bps
Loan Growth (YoY)-1.57%-2.06%-6.97%-11.45%-7.32%-6.07%1.46%6.86%+1,832 bps
Deposit Growth (YoY)13.73%1.29%9.79%17.72%3.22%8.75%-6.21%-7.22%-2,494 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.98%1.36%1.39%1.25%1.23%1.50%1.30%-9 bps
Net Charge-Offs / Loans0.29%0.32%0.40%0.56%0.23%0.31%0.18%0.16%-39 bps
Allowance / Loans3.04%2.94%2.99%3.12%3.22%3.05%3.02%3.04%-8 bps
Allowance Coverage of NPLs4.4x3.0x2.2x2.2x2.6x2.5x2.0x2.3x+0.1x
Capital
Tier 1 Leverage Ratio13.14%12.34%12.31%12.26%13.25%13.07%13.65%14.09%+183 bps
Total Risk-Based Capital30.98%31.93%32.92%34.63%35.83%38.04%37.38%37.74%+311 bps
Equity / Assets11.98%12.09%11.00%11.89%12.94%13.74%13.29%14.23%+234 bps
Liquidity & Funding
Loans / Deposits38.08%41.10%32.75%33.30%34.20%35.50%35.44%38.35%+505 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a17.24%16.85%17.03%n/an/a