State Nebraska Bank &Trust
Wayne, NE · Cert 5490 · Peer group: banks under $1B in assets in NE (n=83) · State National Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$244.0MAssets
$164.0MLoans
$203.8MDeposits
$24.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 80% of banks under $1B in assets in NE (rank 18 of 83).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets in NE (rank 71 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.22%
Rank 40 of 83
Net Interest Margin
3.27%
Rank 61 of 83
Efficiency Ratio
50.00%
Rank 18 of 83
Equity / Assets
9.90%
Rank 63 of 83
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 80% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.93% | 1.20% | 1.51% | Beats 52% | 40 / 83 | |
| Return on Equity | 12.28% | 8.04% | 10.34% | 13.11% | Beats 67% | 27 / 83 | |
| Net Interest Margin | 3.27% | 3.25% | 3.62% | 4.02% | Beats 27% | 61 / 83 | |
| Efficiency Ratio | 50.00% | 51.13% | 59.95% | 67.19% | Beats 80% | 18 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.00% | 0.19% | 0.96% | Beats 16% | 71 / 83 | |
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.02% | Beats 19% | 68 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 14.69% | 10.94% | 13.24% | 16.62% | Beats 60% | 33 / 83 | |
| Total Risk-Based Capital Ratio | 15.95% | 11.04% | 13.54% | 17.63% | Beats 67% | 27 / 83 | |
| Equity / Assets | 9.90% | 9.90% | 11.31% | 13.84% | Beats 24% | 63 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 80.45% | 71.97% | 83.15% | 92.22% | 43rd pctl | 47 / 83 | |
| Loans / Assets | 67.20% | 57.96% | 69.15% | 77.64% | 42nd pctl | 48 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |