| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 0.38% | 1.24% | -0.9 pts |
| ROE | 3.6% | 11.9% | -8.2 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $387.3M | $326.5M | $281.4M | $40.3M | $729K | 0.38% | 2.38% | 0.34% |
| Q1 2026 | $384.5M | $324.5M | $291.1M | $40.2M | $401K | 0.42% | 2.38% | 0.41% |
| Q4 2025 | $387.8M | $322.0M | $301.4M | $39.8M | $575K | 0.15% | 2.00% | 0.37% |
| Q3 2025 | $371.0M | $317.8M | $284.8M | $39.1M | $249K | 0.09% | 1.91% | 0.19% |
| Q2 2025 | $372.3M | $323.1M | $271.7M | $37.5M | $-248K | -0.13% | 1.78% | 0.19% |
| Q1 2025 | $369.6M | $328.4M | $269.4M | $37.1M | $-216K | -0.24% | 1.65% | 0.22% |
| Q4 2024 | $362.1M | $320.5M | $270.1M | $36.0M | $-889K | -0.23% | 1.17% | 0.22% |
| Q3 2024 | $389.5M | $321.4M | $277.9M | $38.4M | $-644K | -0.22% | 1.08% | 0.75% |
Loan mix (Q2 2026): real estate $285.3M · commercial $0 · consumer $0 · securities $62.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lincoln FSB of Nebraska | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 62.9% | 92th |
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 | Lincoln FSB of Nebraska | 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 | Lincoln FSB of Nebraska | 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 | Lincoln FSB of Nebraska | 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 | Lincoln FSB of Nebraska | 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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