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 (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 | 0.37% | 0.49% | -1.31% | -1.40% | -1.06% | -1.38% | 0.05% | 0.15% | +155 bps | |
| Return on Equity | 2.83% | 3.71% | -10.07% | -10.78% | -8.11% | -10.60% | 0.35% | 1.16% | +1,193 bps | |
| Net Interest Margin | 2.71% | 2.73% | 1.93% | 2.05% | 2.32% | 2.40% | 2.35% | 2.31% | +26 bps | |
| Efficiency Ratio | 74.96% | 70.15% | 103.55% | 124.75% | 111.27% | 117.02% | 96.19% | 91.39% | -3,336 bps | |
| Non-Interest Burden | 1.97% | 1.83% | 1.98% | 2.46% | 2.54% | 2.74% | 2.21% | 2.03% | -43 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 | -0.01% | 0.22% | 3.10% | 1.58% | 1.07% | 1.48% | 0.00% | 0.00% | -158 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 | |