Lyons, NE · Cert 5432 · Farm&Home Insurance Agency Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #61 of 77 inst. · $0.0B of $42.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.62% | 1.42% | 1.26% | 1.36% | -5 bps | |
| Return on Equity | 11.48% | 12.92% | 10.84% | 9.70% | 10.28% | -120 bps | |
| Net Interest Margin | 3.02% | 3.03% | 2.93% | 2.83% | 2.91% | -11 bps | |
| Efficiency Ratio | 45.16% | 44.72% | 45.44% | 49.12% | 47.67% | +251 bps | |
| Non-Interest Burden | 1.30% | 1.30% | 1.26% | 1.33% | 1.33% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.11% | 5.12% | 3.29% | 4.58% | -3.03% | -814 bps | |
| Loan Growth (YoY) | -7.77% | -6.63% | -5.30% | -4.96% | -4.97% | +280 bps | |
| Deposit Growth (YoY) | 4.71% | 3.64% | -5.39% | -2.06% | -4.27% | -898 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.23% | 0.21% | 0.23% | 0.22% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.81% | 1.77% | 1.73% | 1.84% | 1.90% | +9 bps | |
| Allowance Coverage of NPLs | 7.7x | 7.7x | 8.1x | 8.2x | 8.5x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.88% | 13.11% | 13.40% | 13.20% | 13.51% | +63 bps | |
| Total Risk-Based Capital | 12.88% | 13.11% | 13.40% | 13.20% | 13.51% | +63 bps | |
| Equity / Assets | 12.35% | 12.78% | 13.38% | 12.67% | 13.84% | +149 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.26% | 52.01% | 59.24% | 51.10% | 49.90% | -37 bps | |
| Liquid Assets / Assets | 0.16% | 0.15% | 0.16% | 0.15% | 0.16% | 0 bps | |
| CRE / Total Capital | n/a | 70.55% | 77.47% | 69.64% | n/a | n/a | |