Earling, IA · Cert 8510 · J Carl H Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.1% share · #55 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 | 0.92% | 0.97% | 1.10% | 1.16% | 1.26% | 1.28% | 1.37% | 1.45% | +29 bps | |
| Return on Equity | 11.54% | 12.09% | 13.45% | 14.04% | 14.80% | 14.78% | 15.03% | 16.02% | +198 bps | |
| Net Interest Margin | 2.75% | 2.84% | 3.19% | 3.26% | 3.42% | 3.49% | 3.67% | 3.73% | +46 bps | |
| Efficiency Ratio | 62.41% | 61.46% | 59.45% | 57.33% | 55.29% | 54.80% | 53.95% | 52.05% | -528 bps | |
| Non-Interest Burden | 1.60% | 1.63% | 1.80% | 1.76% | 1.77% | 1.80% | 1.88% | 1.84% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 4.06% | 5.93% | 3.13% | 1.64% | 0.10% | 3.86% | 1.51% | -161 bps | |
| Loan Growth (YoY) | 8.23% | 3.41% | 1.56% | 4.55% | 6.36% | 6.67% | 10.27% | 11.43% | +688 bps | |
| Deposit Growth (YoY) | 3.50% | 10.50% | 6.46% | 3.31% | 0.40% | -0.46% | 3.09% | 1.04% | -227 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.47% | 0.05% | 0.05% | 0.00% | 0.00% | -47 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 1.04% | 1.01% | 1.05% | 1.04% | 1.01% | 1.02% | 1.04% | 1.04% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.2x | 21.0x | 20.3x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.70% | 8.85% | 8.71% | 8.94% | 9.26% | 9.38% | 9.09% | 9.00% | +6 bps | |
| Total Risk-Based Capital | 14.93% | 14.79% | 13.96% | 14.14% | 14.76% | 14.82% | 14.81% | 14.32% | +18 bps | |
| Equity / Assets | 8.56% | 8.03% | 8.35% | 8.47% | 9.34% | 9.29% | 9.01% | 8.90% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.77% | 67.47% | 64.87% | 65.62% | 72.85% | 72.31% | 69.38% | 72.36% | +675 bps | |
| Liquid Assets / Assets | 9.75% | 10.27% | 11.50% | 11.84% | 5.61% | 6.96% | 10.88% | 7.16% | -468 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 62.92% | 64.51% | 63.56% | n/a | n/a | |