Nebraska Bank of Commerce
Lincoln, NE · Cert 58724 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · NBC Bancshares LLC
State charter, non-member · FDIC · 2 branches
Q2 2026
$241.2MAssets
$215.3MLoans
$204.9MDeposits
$23.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: tier 1 capital ratio trails 70% of banks under $1B in assets operating in a single state (rank 522 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 380 of 746
Net Interest Margin
3.32%
Rank 519 of 746
Efficiency Ratio
56.30%
Rank 199 of 746
Equity / Assets
9.62%
Rank 475 of 746
Non-interest income vs. expense
Unfavorable gap of $4.3M · efficiency ratio beats 73% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.72% | 1.06% | 1.45% | Beats 49% | 380 / 746 | |
| Return on Equity | 10.93% | 6.74% | 10.51% | 13.63% | Beats 54% | 345 / 746 | |
| Net Interest Margin | 3.32% | 3.17% | 3.68% | 4.16% | Beats 30% | 519 / 746 | |
| Efficiency Ratio | 56.30% | 55.74% | 64.58% | 75.47% | Beats 73% | 199 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.09% | 0.42% | 1.07% | Beats 57% | 319 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.86% | 11.55% | 13.75% | 17.60% | Beats 30% | 522 / 746 | |
| Total Risk-Based Capital Ratio | 13.12% | 11.71% | 14.33% | 18.43% | Beats 38% | 459 / 746 | |
| Equity / Assets | 9.62% | 8.90% | 10.51% | 13.06% | Beats 36% | 475 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 105.07% | 61.31% | 78.27% | 90.78% | 94th pctl | 44 / 746 | |
| Loans / Assets | 89.25% | 53.60% | 66.97% | 76.08% | 99th pctl | 11 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |