Minden, NE · Cert 5438 · First of Minden Financial Corp.
State charter, Fed member · FED · 1 branch
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 | 0.54% | 0.39% | 0.89% | 0.80% | 0.86% | 0.74% | 0.77% | 0.81% | +1 bps | |
| Return on Equity | 7.10% | 5.08% | 10.78% | 9.31% | 9.67% | 8.04% | 7.82% | 8.11% | -120 bps | |
| Net Interest Margin | 2.46% | 2.58% | 2.94% | 2.98% | 3.12% | 3.15% | 3.23% | 3.25% | +28 bps | |
| Efficiency Ratio | 79.81% | 82.10% | 72.17% | 73.66% | 72.35% | 76.27% | 69.47% | 69.89% | -377 bps | |
| Non-Interest Burden | 1.88% | 2.04% | 2.00% | 2.10% | 2.15% | 2.30% | 2.12% | 2.15% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | -0.59% | -0.35% | -2.70% | -2.86% | -2.64% | -4.25% | -4.36% | -166 bps | |
| Loan Growth (YoY) | 4.60% | 0.74% | 1.56% | -3.67% | -6.32% | -2.99% | -9.23% | -11.22% | -754 bps | |
| Deposit Growth (YoY) | -2.20% | -2.42% | -3.76% | -8.80% | -4.20% | -6.33% | -6.53% | -3.27% | +553 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.48% | 0.50% | 0.78% | 1.27% | 2.70% | 1.90% | 0.00% | -78 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.02% | -0.03% | -0.03% | -0.03% | 0.02% | -0.01% | +2 bps | |
| Allowance / Loans | 1.37% | 1.45% | 1.51% | 1.49% | 1.50% | 1.52% | 1.69% | 1.70% | +21 bps | |
| Allowance Coverage of NPLs | n/a | 3.0x | 3.0x | 1.9x | 1.2x | 0.6x | 0.9x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.51% | 9.52% | 9.61% | 9.80% | 10.48% | 10.51% | 10.27% | 10.55% | +75 bps | |
| Total Risk-Based Capital | 18.04% | 18.40% | 19.66% | 19.33% | 19.96% | 19.69% | 21.58% | 21.80% | +248 bps | |
| Equity / Assets | 8.58% | 8.03% | 8.54% | 9.15% | 10.00% | 10.07% | 9.64% | 10.17% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.97% | 68.33% | 66.34% | 72.42% | 74.29% | 70.77% | 64.42% | 66.47% | -595 bps | |
| Liquid Assets / Assets | 0.88% | 1.82% | 3.38% | 0.78% | 0.52% | 0.52% | 2.28% | 1.06% | +28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 55.60% | 60.15% | 51.80% | n/a | n/a | |