United Republic Bank
Omaha, NE · Cert 58359 · Peer group: banks under $1B in assets in the Omaha, NE-IA area (n=24) · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)
Q2 2026
$185.8MAssets
$137.1MLoans
$147.4MDeposits
$25.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 12 of 24).
- Widest gap: net interest margin trails 100% of banks under $1B in assets in the Omaha, NE-IA area (rank 24 of 24).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.16%
Rank 24 of 24
Net Interest Margin
2.31%
Rank 24 of 24
Efficiency Ratio
92.30%
Rank 24 of 24
Equity / Assets
13.80%
Rank 2 of 24
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 4% of banks under $1B in assets in the Omaha, NE-IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.92% | 1.29% | 1.77% | Beats 0% | 24 / 24 | |
| Return on Equity | 1.15% | 9.64% | 12.01% | 15.30% | Beats 0% | 24 / 24 | |
| Net Interest Margin | 2.31% | 3.02% | 3.76% | 3.98% | Beats 0% | 24 / 24 | |
| Efficiency Ratio | 92.30% | 49.60% | 59.31% | 66.55% | Beats 4% | 24 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.89% | 0.10% | 0.37% | 1.03% | Beats 4% | 24 / 24 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 12 / 24 | |
| Capital |
| Tier 1 Capital Ratio | 11.57% | 10.53% | 11.57% | 13.63% | Beats 50% | 12 / 24 | |
| Total Risk-Based Capital Ratio | 11.57% | 11.15% | 12.06% | 13.90% | Beats 38% | 15 / 24 | |
| Equity / Assets | 13.80% | 8.87% | 10.14% | 12.27% | Beats 92% | 2 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 93.06% | 75.32% | 83.30% | 93.06% | 75th pctl | 6 / 24 | |
| Loans / Assets | 73.82% | 65.68% | 71.67% | 75.94% | 63rd pctl | 9 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |