| Metric | Nebraska State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +3.0% | +5.9 pts |
| Deposit growth (YoY) | +9.6% | +2.5% | +7.1 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | 4.34% | 0.99% | +3.3 pts |
| ROE | 25.9% | 8.1% | +17.8 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.1M | $61.0M | $55.0M | $12.3M | $1.6M | 4.34% | 4.93% | 2.40% |
| Q1 2026 | $74.0M | $61.8M | $53.0M | $11.5M | $734K | 4.04% | 4.74% | 1.46% |
| Q4 2025 | $71.4M | $57.7M | $52.0M | $13.0M | $2.7M | 3.95% | 4.96% | 1.40% |
| Q3 2025 | $67.8M | $54.8M | $55.4M | $12.2M | $2.0M | 3.91% | 4.93% | 2.07% |
| Q2 2025 | $68.1M | $55.7M | $56.2M | $11.7M | $1.5M | 4.24% | 5.18% | 1.47% |
| Q1 2025 | $70.2M | $58.3M | $53.6M | $11.1M | $789K | 4.50% | 5.04% | 3.14% |
| Q4 2024 | $70.0M | $56.9M | $56.3M | $12.4M | $3.0M | 4.56% | 5.46% | 0.00% |
| Q3 2024 | $65.8M | $53.3M | $54.2M | $11.7M | $2.2M | 4.57% | 5.56% | 0.00% |
Loan mix (Q2 2026): real estate $39.8M · commercial $895K · consumer $10K · securities $1.9M
| Ratio | Nebraska State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.34% | 0.99% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 25.9% | 8.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.4% | 70.8% | 1th |
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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