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 | |