Cattle Bank & Trust
Seward, NE · Cert 5472 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Cattle Crossing Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$421.9MAssets
$322.0MLoans
$347.2MDeposits
$49.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets operating in a single state (rank 482 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.70%
Rank 111 of 746
Net Interest Margin
3.68%
Rank 370 of 746
Efficiency Ratio
48.19%
Rank 83 of 746
Equity / Assets
11.81%
Rank 250 of 746
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 89% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.72% | 1.06% | 1.45% | Beats 85% | 111 / 746 | |
| Return on Equity | 14.38% | 6.74% | 10.51% | 13.63% | Beats 80% | 149 / 746 | |
| Net Interest Margin | 3.68% | 3.17% | 3.68% | 4.16% | Beats 50% | 370 / 746 | |
| Efficiency Ratio | 48.19% | 55.74% | 64.58% | 75.47% | Beats 89% | 83 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.42% | 1.07% | Beats 76% | 180 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.55% | 13.75% | 17.60% | Beats 40% | 449 / 746 | |
| Total Risk-Based Capital Ratio | 12.87% | 11.71% | 14.33% | 18.43% | Beats 35% | 482 / 746 | |
| Equity / Assets | 11.81% | 8.90% | 10.51% | 13.06% | Beats 66% | 250 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 92.75% | 61.31% | 78.27% | 90.78% | 79th pctl | 158 / 746 | |
| Loans / Assets | 76.32% | 53.60% | 66.97% | 76.08% | 75th pctl | 183 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |