Nebraska State Bank
Oshkosh, NE · Cert 9819 · Peer group: banks under $1B in assets in NE (n=83) · O&F Cattle Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
$74.1MAssets
$55.5MLoans
$61.0MDeposits
$12.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
- Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets in NE (rank 70 of 83).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
3.38%
Rank 1 of 83
Net Interest Margin
4.91%
Rank 3 of 83
Efficiency Ratio
33.42%
Rank 3 of 83
Equity / Assets
16.64%
Rank 9 of 83
Non-interest income vs. expense
Unfavorable gap of $0.3M · efficiency ratio beats 98% 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 | 3.38% | 0.93% | 1.20% | 1.51% | Beats 99% | 1 / 83 | | |
| Return on Equity | 20.32% | 8.04% | 10.34% | 13.11% | Beats 99% | 1 / 83 | | |
| Net Interest Margin | 4.91% | 3.25% | 3.62% | 4.02% | Beats 96% | 3 / 83 | | |
| Efficiency Ratio | 33.42% | 51.13% | 59.95% | 67.19% | Beats 98% | 3 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.00% | 0.19% | 0.96% | Beats 17% | 70 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 18.08% | 10.94% | 13.24% | 16.62% | Beats 80% | 17 / 83 | | |
| Total Risk-Based Capital Ratio | 18.08% | 11.04% | 13.54% | 17.63% | Beats 78% | 18 / 83 | | |
| Equity / Assets | 16.64% | 9.90% | 11.31% | 13.84% | Beats 89% | 9 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.08% | 71.97% | 83.15% | 92.22% | 71st pctl | 24 / 83 | | |
| Loans / Assets | 74.92% | 57.96% | 69.15% | 77.64% | 64th pctl | 30 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |