PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Nebraska

Omaha, NE · Charter 65398

NCUA · 5 branches

Q2 2026

$184.2MAssets
$124.2MLoans
$155.8MShares
$28.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, down 86 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.90% of loans (-26 bps YoY).
  • Capital: net worth / assets of 15.71%, up 56 bps from a year ago.
  • Funding: loans stand at 79.67% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.51%-86 bps YoY

Net Interest Margin (YTD, annualized)

3.99%-4 bps YoY

Efficiency Ratio (YTD, annualized)

84.24%+1,252 bps YoY

Net Worth / Assets

15.71%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.57%0.93%1.36%1.12%1.05%0.42%0.51%-86 bps
Return on Equity4.19%3.94%6.46%9.00%7.22%6.70%2.65%3.23%-577 bps
Net Interest Margin3.77%3.79%3.87%4.03%4.11%4.12%4.00%3.99%-4 bps
Efficiency Ratio83.57%84.18%77.49%71.73%74.95%76.03%85.19%84.24%+1,252 bps
Growth
Asset Growth (YoY)-1.59%-1.33%2.88%1.73%-0.53%-0.41%-2.27%0.33%-140 bps
Loan Growth (YoY)-2.64%-5.47%-4.59%-3.47%-2.03%1.92%3.85%5.78%+925 bps
Share Growth (YoY)2.81%3.90%4.87%0.93%-1.63%-1.98%-3.58%-0.18%-111 bps
Asset Quality
Delinquent Loans / Loans0.90%0.49%0.46%1.16%0.73%0.50%0.47%0.90%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.49%14.54%14.40%15.15%15.53%15.65%15.64%15.71%+56 bps
Net Worth / Assets14.49%14.54%14.40%15.15%15.53%15.65%15.64%15.71%+56 bps
Liquidity & Funding
Loans / Shares77.88%76.27%73.52%75.18%77.56%79.30%79.19%79.67%+449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps