Nebraska State Bank and Trust Company
Broken Bow, NE · Cert 8322 · Peer group: banks under $1B in assets in NE (n=83) · First Central Nebraska Co.
State charter, non-member · FDIC · 4 branches
Q2 2026
$285.8MAssets
$222.6MLoans
$233.7MDeposits
$34.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 82% of banks under $1B in assets in NE (rank 15 of 83).
- Widest gap: net charge-offs / loans trails 63% of banks under $1B in assets in NE (rank 53 of 83).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.52%
Rank 20 of 83
Net Interest Margin
4.13%
Rank 15 of 83
Efficiency Ratio
54.89%
Rank 29 of 83
Equity / Assets
12.22%
Rank 33 of 83
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 66% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.52% | 0.93% | 1.20% | 1.51% | Beats 76% | 20 / 83 | | |
| Return on Equity | 12.40% | 8.04% | 10.34% | 13.11% | Beats 69% | 26 / 83 | | |
| Net Interest Margin | 4.13% | 3.25% | 3.62% | 4.02% | Beats 82% | 15 / 83 | | |
| Efficiency Ratio | 54.89% | 51.13% | 59.95% | 67.19% | Beats 66% | 29 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 77% | 20 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 37% | 53 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 15.49% | 10.94% | 13.24% | 16.62% | Beats 69% | 26 / 83 | | |
| Total Risk-Based Capital Ratio | 16.60% | 11.04% | 13.54% | 17.63% | Beats 70% | 25 / 83 | | |
| Equity / Assets | 12.22% | 9.90% | 11.31% | 13.84% | Beats 60% | 33 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.26% | 71.97% | 83.15% | 92.22% | 83rd pctl | 14 / 83 | | |
| Loans / Assets | 77.90% | 57.96% | 69.15% | 77.64% | 76th pctl | 20 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |