Seward, NE · Cert 5472 · Cattle Crossing Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 2.2% share · #10 of 33 inst. · $0.3B of $16.1B
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 | 1.19% | 1.11% | 1.23% | 1.30% | 1.36% | 1.32% | 1.65% | 1.70% | +40 bps | |
| Return on Equity | 11.45% | 10.79% | 11.86% | 12.41% | 12.89% | 12.33% | 14.51% | 14.75% | +234 bps | |
| Net Interest Margin | 2.97% | 2.93% | 3.16% | 3.25% | 3.30% | 3.30% | 3.63% | 3.68% | +43 bps | |
| Efficiency Ratio | 55.52% | 57.60% | 53.56% | 52.46% | 51.13% | 53.76% | 48.41% | 48.19% | -427 bps | |
| Non-Interest Burden | 1.46% | 1.51% | 1.52% | 1.52% | 1.50% | 1.59% | 1.52% | 1.54% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 3.39% | 5.90% | 5.51% | 6.14% | 5.21% | 3.13% | 2.31% | -320 bps | |
| Loan Growth (YoY) | 7.97% | 9.22% | 10.41% | 10.58% | 10.31% | 7.31% | 3.26% | 2.96% | -763 bps | |
| Deposit Growth (YoY) | -0.35% | -0.16% | 4.54% | 5.69% | 8.00% | 5.56% | 5.31% | -0.42% | -611 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.35% | 0.52% | 0.29% | 0.48% | 0.33% | 0.08% | 0.08% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.22% | 1.26% | 1.25% | 1.24% | 1.26% | 1.31% | 1.27% | +2 bps | |
| Allowance Coverage of NPLs | n/a | 3.5x | 2.4x | 4.4x | 2.6x | 3.9x | 16.2x | 16.9x | +12.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 11.77% | 11.91% | 12.16% | 12.20% | 12.05% | 12.59% | 12.87% | +71 bps | |
| Total Risk-Based Capital | 11.97% | 11.77% | 11.91% | 12.16% | 12.20% | 12.05% | 12.59% | 12.87% | +71 bps | |
| Equity / Assets | 10.83% | 10.19% | 10.58% | 10.55% | 10.99% | 11.22% | 11.56% | 11.81% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.70% | 92.90% | 89.03% | 89.71% | 92.64% | 94.44% | 87.29% | 92.75% | +304 bps | |
| Liquid Assets / Assets | 0.89% | 0.81% | 0.75% | 0.74% | 0.72% | 0.72% | 0.73% | 0.78% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 222% | 231% | 221% | n/a | n/a | |