Lewellen, NE · Cert 5425 · 1905 Nekota Bankcorp Inc.
State charter, non-member · FDIC · 2 branches
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | -0.15% | -0.41% | -0.16% | 0.14% | 0.40% | 0.57% | 0.60% | +76 bps | |
| Return on Equity | 2.23% | -0.61% | -2.45% | -1.06% | 0.97% | 2.98% | 5.05% | 5.26% | +632 bps | |
| Net Interest Margin | 4.44% | 3.64% | 3.52% | 3.62% | 3.36% | 3.26% | 3.45% | 3.50% | -12 bps | |
| Efficiency Ratio | 68.15% | 76.28% | 89.54% | 73.01% | 68.86% | 63.32% | 66.29% | 63.84% | -918 bps | |
| Non-Interest Burden | 3.07% | 2.82% | 3.20% | 2.68% | 2.34% | 2.09% | 2.30% | 2.11% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 126.07% | 113.33% | 84.36% | 81.20% | 68.51% | 87.15% | 74.22% | 49.46% | -3,175 bps | |
| Loan Growth (YoY) | 308% | 142.20% | 115.50% | 86.56% | 76.78% | 84.49% | 68.29% | 39.72% | -4,684 bps | |
| Deposit Growth (YoY) | 224% | 185.81% | 121.62% | 108.82% | 85.85% | 102.84% | 83.11% | 50.36% | -5,846 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 2.95% | 5.47% | 4.31% | 3.21% | 2.80% | 2.10% | 0.35% | -396 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 1.45% | +145 bps | |
| Allowance / Loans | 1.07% | 1.46% | 1.45% | 1.60% | 1.57% | 1.58% | 1.60% | 1.11% | -49 bps | |
| Allowance Coverage of NPLs | n/a | 0.5x | 0.3x | 0.4x | 0.5x | 0.6x | 0.8x | 3.2x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.47% | 17.43% | 15.87% | 13.92% | 11.96% | 12.04% | 11.42% | 11.47% | -244 bps | |
| Total Risk-Based Capital | 21.47% | 17.43% | 15.87% | 13.92% | 11.96% | 12.04% | 11.42% | 11.47% | -244 bps | |
| Equity / Assets | 19.58% | 17.91% | 16.01% | 13.42% | 11.48% | 10.87% | 11.61% | 11.53% | -189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.04% | 99.91% | 102.45% | 101.71% | 98.01% | 90.87% | 94.16% | 94.51% | -720 bps | |
| Liquid Assets / Assets | 0.73% | 0.37% | 0.28% | 0.28% | 0.20% | 0.16% | 0.16% | 2.87% | +259 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 387% | 366% | 374% | n/a | n/a | |