Omaha, NE · Cert 58359 · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.3% share · #36 of 77 inst. · $0.1B of $42.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.84% | -1.31% | -1.47% | -0.35% | -2.39% | 0.05% | 0.27% | +174 bps | |
| Return on Equity | 2.60% | 6.29% | -10.07% | -11.50% | -2.69% | -18.28% | 0.35% | 1.97% | +1,347 bps | |
| Net Interest Margin | 2.75% | 2.66% | 1.93% | 2.15% | 2.72% | 2.45% | 2.35% | 2.20% | +5 bps | |
| Efficiency Ratio | 76.74% | 55.91% | 103.55% | 154.99% | 94.57% | 136.46% | 96.19% | 86.81% | -6,818 bps | |
| Non-Interest Burden | 2.05% | 1.35% | 1.98% | 2.92% | 2.52% | 3.14% | 2.21% | 1.78% | -114 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.02% | 3.19% | 3.05% | -1.00% | -4.28% | -5.83% | -10.61% | -10.61% | -962 bps | |
| Loan Growth (YoY) | 6.75% | -3.19% | -5.86% | -8.30% | -6.31% | -6.59% | -9.36% | -10.74% | -245 bps | |
| Deposit Growth (YoY) | 7.77% | 0.60% | 2.07% | -0.79% | -3.35% | -5.91% | -10.28% | -12.11% | -1,132 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.60% | 4.34% | 0.96% | 3.24% | 5.43% | 2.48% | 2.58% | 4.89% | +165 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.93% | 3.10% | -0.01% | -0.01% | 2.68% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.61% | 1.47% | 1.11% | 1.61% | 1.86% | 1.94% | 2.07% | 2.16% | +55 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.3x | 1.2x | 0.5x | 0.3x | 0.8x | 0.8x | 0.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.45% | 11.83% | 11.11% | 10.80% | 11.10% | 10.81% | 11.17% | 11.57% | +76 bps | |
| Total Risk-Based Capital | 11.45% | 11.83% | 11.11% | 10.80% | 11.10% | 10.81% | 11.17% | 11.57% | +76 bps | |
| Equity / Assets | 13.25% | 13.38% | 12.75% | 12.84% | 13.22% | 12.94% | 13.26% | 13.80% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.57% | 96.19% | 91.56% | 91.63% | 93.62% | 95.50% | 92.51% | 93.06% | +143 bps | |
| Liquid Assets / Assets | 3.05% | 2.30% | 2.38% | 1.35% | 1.69% | 0.31% | 1.57% | 1.94% | +59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 504% | 531% | 504% | n/a | n/a | |