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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.85% | 0.90% | 0.67% | 0.81% | -2 bps | |
| Return on Equity | 10.04% | 10.20% | 10.74% | 7.72% | 9.07% | -97 bps | |
| Net Interest Margin | 2.99% | 3.05% | 2.91% | 3.12% | 3.15% | +16 bps | |
| Efficiency Ratio | 65.15% | 64.76% | 63.60% | 69.88% | 67.58% | +242 bps | |
| Non-Interest Burden | 1.74% | 1.74% | 1.62% | 1.99% | 1.92% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.95% | 3.96% | 5.60% | 4.16% | 14.58% | +963 bps | |
| Loan Growth (YoY) | 2.62% | 4.19% | 8.60% | 8.87% | 16.10% | +1,348 bps | |
| Deposit Growth (YoY) | 15.77% | 8.49% | 8.32% | 6.41% | 17.79% | +203 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.35% | 0.46% | 0.36% | 0.24% | 0.17% | -18 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.28% | 0.28% | -0.01% | -0.01% | -41 bps | |
| Allowance / Loans | 1.24% | 1.30% | 1.21% | 1.30% | 1.31% | +7 bps | |
| Allowance Coverage of NPLs | 3.5x | 2.8x | 3.4x | 5.4x | 7.6x | +4.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.25% | 8.54% | 8.22% | 8.40% | 8.30% | +4 bps | |
| Total Risk-Based Capital | 12.26% | 12.56% | 12.42% | 12.59% | 12.25% | -1 bps | |
| Equity / Assets | 8.61% | 8.87% | 8.50% | 8.86% | 9.35% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.24% | 79.22% | 76.26% | 78.05% | 78.10% | -114 bps | |
| Liquid Assets / Assets | 13.37% | 13.64% | 17.42% | 11.17% | 12.06% | -131 bps | |
| CRE / Total Capital | n/a | 320% | 333% | 355% | n/a | n/a | |