| Metric | First Nebraska Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +13.2% | +5.6% | +7.6 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 15.2% | 11.9% | +3.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $371.4M | $329.9M | $250.8M | $34.5M | $2.6M | 1.42% | 4.50% | 0.16% |
| Q1 2026 | $361.0M | $320.9M | $239.9M | $33.4M | $1.1M | 1.21% | 4.37% | 0.05% |
| Q4 2025 | $352.4M | $311.4M | $240.1M | $33.7M | $4.6M | 1.32% | 4.33% | 0.04% |
| Q3 2025 | $348.8M | $308.2M | $221.5M | $33.1M | $3.5M | 1.33% | 4.29% | 0.13% |
| Q2 2025 | $358.5M | $319.3M | $221.7M | $31.4M | $2.2M | 1.25% | 4.27% | 0.25% |
| Q1 2025 | $354.8M | $316.4M | $224.6M | $30.9M | $1.0M | 1.18% | 4.29% | 0.18% |
| Q4 2024 | $337.6M | $292.4M | $227.8M | $30.2M | $4.5M | 1.30% | 4.46% | 0.14% |
| Q3 2024 | $342.3M | $302.6M | $222.0M | $31.4M | $3.7M | 1.41% | 4.46% | 0.20% |
Loan mix (Q2 2026): real estate $182.0M · commercial $31.7M · consumer $2.7M · securities $70.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Nebraska Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 61th |
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 | First Nebraska 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 | First Nebraska 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 | First Nebraska 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 | First Nebraska 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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