| Metric | Cornhusker Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +5.5% | -3.6 pts |
| Deposit growth (YoY) | +1.7% | +5.1% | -3.4 pts |
| Loan growth (YoY) | -0.3% | +5.9% | -6.2 pts |
| ROA | 1.43% | 1.26% | +0.2 pts |
| ROE | 14.6% | 12.2% | +2.4 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $852.8M | $843.3M | $103.0M | $7.4M | 1.43% | 3.41% | 0.02% |
| Q1 2026 | $1.03B | $850.1M | $819.0M | $100.5M | $3.7M | 1.42% | 3.37% | 0.04% |
| Q4 2025 | $1.02B | $865.2M | $819.0M | $99.7M | $10.7M | 1.05% | 3.17% | 0.04% |
| Q3 2025 | $1.03B | $861.6M | $845.8M | $99.2M | $8.2M | 1.07% | 3.10% | 0.02% |
| Q2 2025 | $1.03B | $838.7M | $845.9M | $94.2M | $5.2M | 1.02% | 3.04% | 0.04% |
| Q1 2025 | $1.03B | $845.3M | $851.2M | $91.3M | $2.2M | 0.89% | 2.97% | 0.04% |
| Q4 2024 | $982.1M | $814.5M | $808.8M | $88.1M | $6.8M | 0.70% | 2.68% | 0.05% |
| Q3 2024 | $963.7M | $805.6M | $777.8M | $89.2M | $4.6M | 0.64% | 2.60% | 0.07% |
Loan mix (Q2 2026): real estate $821.7M · commercial $28.9M · consumer $1.3M · securities $141.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cornhusker Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.2% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 59.0% | 60th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cornhusker Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cornhusker Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cornhusker Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cornhusker Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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