| Metric | Nebraska State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +51.9% | +3.0% | +48.9 pts |
| Deposit growth (YoY) | +61.7% | +2.5% | +59.3 pts |
| Loan growth (YoY) | +38.4% | +2.6% | +35.8 pts |
| ROA | -0.19% | 0.99% | -1.2 pts |
| ROE | -1.5% | 8.1% | -9.5 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.6M | $32.8M | $18.6M | $3.5M | $-26K | -0.19% | 4.54% | 1.16% |
| Q1 2026 | $25.3M | $21.5M | $17.0M | $3.6M | $47K | 0.79% | 4.48% | 3.43% |
| Q4 2025 | $22.3M | $18.6M | $14.0M | $3.6M | $240K | 1.06% | 4.41% | 2.21% |
| Q3 2025 | $23.0M | $19.2M | $14.0M | $3.5M | $191K | 1.12% | 4.36% | 1.95% |
| Q2 2025 | $24.1M | $20.3M | $13.4M | $3.5M | $146K | 1.28% | 4.63% | 1.98% |
| Q1 2025 | $23.4M | $19.7M | $13.4M | $3.4M | $62K | 1.12% | 4.65% | 1.18% |
| Q4 2024 | $20.8M | $17.3M | $13.9M | $3.3M | $289K | 1.38% | 4.81% | 0.03% |
| Q3 2024 | $20.8M | $17.2M | $13.7M | $3.3M | $244K | 1.55% | 4.79% | 0.68% |
Loan mix (Q2 2026): real estate $8.6M · commercial $1.6M · consumer $180K · securities $0
| Ratio | Nebraska State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.99% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -1.5% | 8.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 70.8% | 63th |
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 | Nebraska State 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 | Nebraska State 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 | Nebraska State 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 | Nebraska State 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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