| Metric | Nebraska State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.8% | +3.0% | +23.8 pts |
| Deposit growth (YoY) | +31.4% | +2.5% | +28.9 pts |
| Loan growth (YoY) | +77.5% | +2.6% | +74.9 pts |
| ROA | 0.60% | 0.99% | -0.4 pts |
| ROE | 4.8% | 8.1% | -3.3 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.4M | $22.3M | $12.5M | $3.0M | $71K | 0.60% | 3.87% | 1.58% |
| Q1 2026 | $24.9M | $21.8M | $9.9M | $3.0M | $39K | 0.68% | 3.54% | 1.59% |
| Q4 2025 | $20.9M | $17.9M | $7.4M | $2.9M | $92K | 0.46% | 3.55% | 1.43% |
| Q3 2025 | $20.5M | $17.4M | $6.9M | $2.9M | $62K | 0.42% | 3.54% | 1.52% |
| Q2 2025 | $20.1M | $17.0M | $7.0M | $2.9M | $79K | 0.82% | 4.19% | 1.44% |
| Q1 2025 | $19.5M | $16.5M | $7.6M | $2.9M | $36K | 0.77% | 4.22% | 0.00% |
| Q4 2024 | $18.1M | $15.1M | $8.1M | $2.8M | $185K | 1.01% | 4.58% | 0.01% |
| Q3 2024 | $18.6M | $15.5M | $8.5M | $2.9M | $219K | 1.60% | 4.59% | 0.00% |
Loan mix (Q2 2026): real estate $6.1M · commercial $1.2M · consumer $209K · securities $0
| Ratio | Nebraska State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.99% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 8.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 70.8% | 65th |
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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