Hordville, NE · Cert 8604 · Firstand Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.65% | 0.50% | 0.41% | 0.41% | -22 bps | |
| Return on Equity | 5.63% | 5.60% | 4.22% | 3.28% | 3.36% | -227 bps | |
| Net Interest Margin | 3.11% | 3.28% | 3.47% | 3.19% | 3.18% | +7 bps | |
| Efficiency Ratio | 74.50% | 74.56% | 80.59% | 83.51% | 83.62% | +912 bps | |
| Non-Interest Burden | 2.30% | 2.43% | 2.79% | 2.65% | 2.64% | +33 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.85% | -6.19% | -7.91% | -10.68% | -4.82% | -566 bps | |
| Loan Growth (YoY) | 5.94% | 4.81% | -0.85% | -7.26% | -4.25% | -1,019 bps | |
| Deposit Growth (YoY) | -1.05% | -8.20% | -9.32% | -12.48% | -4.78% | -372 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.91% | 1.88% | 2.07% | 2.10% | 2.00% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.27% | 11.95% | 12.64% | 12.29% | 12.20% | +93 bps | |
| Total Risk-Based Capital | 11.27% | 11.95% | 12.64% | 12.29% | 12.20% | +93 bps | |
| Equity / Assets | 11.31% | 12.67% | 13.01% | 12.15% | 11.92% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.64% | 87.02% | 79.45% | 74.58% | 76.06% | +42 bps | |
| Liquid Assets / Assets | 19.66% | 12.87% | 18.13% | 25.19% | 24.43% | +477 bps | |
| CRE / Total Capital | n/a | 33.31% | 33.11% | 30.03% | n/a | n/a | |