Lincoln, NE · Cert 5415 · Stockmens Financial Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
71
Profitability
23
Liquidity
58
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lincoln, NE · Cert 5415 · Stockmens Financial Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
Market Position · Rapid City, SD · 2026 SOD (annual) · 9.6% share · #5 of 11 inst. · $0.4B of $3.9B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.79% | 0.72% | 0.82% | 0.85% | 0.90% | 0.67% | 0.81% | -2 bps | |
| Return on Equity | 8.97% | 9.90% | 9.03% | 10.04% | 10.20% | 10.74% | 7.72% | 9.07% | -97 bps | |
| Net Interest Margin | 2.74% | 2.70% | 2.90% | 2.99% | 3.05% | 2.91% | 3.12% | 3.15% | +16 bps | |
| Efficiency Ratio | 69.14% | 66.77% | 67.74% | 65.15% | 64.76% | 63.60% | 69.88% | 67.58% | +242 bps | |
| Non-Interest Burden | 1.72% | 1.61% | 1.79% | 1.74% | 1.74% | 1.62% | 1.99% | 1.92% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.59% | 13.77% | -1.42% | 4.95% | 3.96% | 5.60% | 4.16% | 14.58% | +963 bps | |
| Loan Growth (YoY) | 5.84% | 5.62% | 2.66% | 2.62% | 4.19% | 8.60% | 8.87% | 16.10% | +1,348 bps | |
| Deposit Growth (YoY) | 8.21% | 13.57% | 6.68% | 15.77% | 8.49% | 8.32% | 6.41% | 17.79% | +203 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.67% | 0.59% | 0.35% | 0.46% | 0.36% | 0.24% | 0.17% | -18 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.06% | 0.40% | 0.28% | 0.28% | -0.01% | -0.01% | -41 bps | |
| Allowance / Loans | 1.30% | 1.27% | 1.37% | 1.24% | 1.30% | 1.21% | 1.30% | 1.31% | +7 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.9x | 2.3x | 3.5x | 2.8x | 3.4x | 5.4x | 7.6x | +4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.14% | 7.83% | 7.84% | 8.25% | 8.54% | 8.22% | 8.40% | 8.30% | +4 bps | |
| Total Risk-Based Capital | 12.57% | 12.52% | 12.35% | 12.26% | 12.56% | 12.42% | 12.59% | 12.25% | -1 bps | |
| Equity / Assets | 8.49% | 7.84% | 8.21% | 8.61% | 8.87% | 8.50% | 8.86% | 9.35% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.48% | 76.06% | 76.30% | 79.24% | 79.22% | 76.26% | 78.05% | 78.10% | -114 bps | |
| Liquid Assets / Assets | 9.89% | 16.14% | 14.78% | 13.37% | 13.64% | 17.42% | 11.17% | 12.06% | -131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 320% | 333% | 355% | n/a | n/a | |
Lincoln, NE · Cert 5415 · Peer group: banks $1B-$10B in assets (n=311-317) · Stockmens Financial Corp.
State charter, non-member · FDIC · 35 branches
Q2 2026
Return on Assets
0.77%
Rank 260 of 317
Net Interest Margin
3.15%
Rank 224 of 317
Efficiency Ratio
68.30%
Rank 248 of 317
Equity / Assets
9.35%
Rank 220 of 317
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.93% | 1.22% | 1.51% | Beats 18% | 260 / 317 | ||
| Return on Equity | 8.27% | 8.63% | 11.43% | 14.48% | Beats 23% | 244 / 317 | ||
| Net Interest Margin | 3.15% | 3.06% | 3.45% | 3.83% | Beats 29% | 224 / 317 | ||
| Efficiency Ratio | 68.30% | 51.90% | 59.69% | 67.53% | Beats 22% | 248 / 317 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 1.14% | Beats 80% | 64 / 311 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 61% | 121 / 311 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.03% | 11.75% | 13.15% | 15.30% | Beats 15% | 269 / 317 | ||
| Total Risk-Based Capital Ratio | 12.25% | 12.63% | 14.21% | 16.26% | Beats 21% | 252 / 317 | ||
| Equity / Assets | 9.35% | 9.06% | 10.32% | 11.95% | Beats 31% | 220 / 317 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.10% | 76.63% | 88.04% | 95.67% | 27th pctl | 228 / 312 | ||
| Loans / Assets | 68.33% | 65.41% | 74.05% | 79.71% | 32nd pctl | 216 / 317 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||