Lincoln, NE · Cert 58724 · NBC Bancshares LLC
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 1.3% share · #16 of 33 inst. · $0.2B of $16.1B
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 | 0.56% | 0.57% | 0.74% | 0.76% | 0.76% | 0.76% | 0.83% | 1.08% | +32 bps | |
| Return on Equity | 5.32% | 5.44% | 7.12% | 7.31% | 7.46% | 7.52% | 8.70% | 11.25% | +394 bps | |
| Net Interest Margin | 2.59% | 2.56% | 2.97% | 3.00% | 2.95% | 2.93% | 3.10% | 3.32% | +32 bps | |
| Efficiency Ratio | 73.38% | 72.33% | 66.01% | 65.19% | 63.17% | 64.13% | 60.71% | 56.30% | -889 bps | |
| Non-Interest Burden | 1.85% | 1.80% | 1.93% | 1.91% | 1.81% | 1.83% | 1.83% | 1.78% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.36% | 5.52% | 8.00% | 9.74% | 15.46% | 16.02% | 18.52% | 17.26% | +752 bps | |
| Loan Growth (YoY) | 4.35% | 6.49% | 8.39% | 11.26% | 18.21% | 16.51% | 21.60% | 17.60% | +634 bps | |
| Deposit Growth (YoY) | 13.85% | 13.45% | 6.42% | 12.30% | 12.03% | 15.08% | 16.88% | 13.10% | +80 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.06% | 0.20% | 0.05% | 0.04% | 0.19% | 0.20% | 0.33% | +29 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.25% | 1.25% | 1.25% | 1.25% | 1.26% | 1.25% | 1.25% | 0 bps | |
| Allowance Coverage of NPLs | 5.0x | 22.4x | 6.2x | 26.8x | 34.2x | 6.8x | 6.1x | 3.7x | -23.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.48% | 10.32% | 10.33% | 10.28% | 9.95% | 9.67% | 9.51% | 9.56% | -73 bps | |
| Total Risk-Based Capital | 13.88% | 13.91% | 13.97% | 13.86% | 13.31% | 13.07% | 12.76% | 13.12% | -75 bps | |
| Equity / Assets | 10.54% | 10.51% | 10.32% | 10.29% | 9.77% | 9.73% | 9.40% | 9.62% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.20% | 103.42% | 103.04% | 101.05% | 106.79% | 104.70% | 107.21% | 105.07% | +402 bps | |
| Liquid Assets / Assets | 6.51% | 5.00% | 6.75% | 5.64% | 5.88% | 5.57% | 6.50% | 7.08% | +144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 507% | 487% | 512% | n/a | n/a | |