| Metric | Nebraskaland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +5.5% | +6.8 pts |
| Deposit growth (YoY) | +18.0% | +5.1% | +12.9 pts |
| Loan growth (YoY) | +6.8% | +5.9% | +0.9 pts |
| ROA | 0.52% | 1.26% | -0.7 pts |
| ROE | 6.0% | 12.2% | -6.2 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $853.7M | $730.2M | $90.6M | $2.7M | 0.52% | 2.83% | 0.20% |
| Q1 2026 | $1.01B | $773.3M | $725.0M | $88.7M | $1.2M | 0.48% | 2.79% | 0.21% |
| Q4 2025 | $986.4M | $751.8M | $702.7M | $87.6M | $3.7M | 0.39% | 2.65% | 0.22% |
| Q3 2025 | $976.7M | $749.1M | $695.8M | $89.2M | $2.3M | 0.32% | 2.59% | 0.22% |
| Q2 2025 | $948.3M | $723.6M | $683.4M | $87.7M | $1.7M | 0.35% | 2.51% | 0.84% |
| Q1 2025 | $970.0M | $740.2M | $674.3M | $88.8M | $695K | 0.29% | 2.39% | 0.98% |
| Q4 2024 | $957.3M | $719.5M | $656.3M | $86.8M | $3.1M | 0.32% | 2.34% | 0.00% |
| Q3 2024 | $976.9M | $751.4M | $625.4M | $87.0M | $2.1M | 0.29% | 2.30% | 0.00% |
Loan mix (Q2 2026): real estate $553.0M · commercial $90.8M · consumer $7.4M · securities $166.8M
| Ratio | Nebraskaland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.26% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 59.0% | 84th |
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 | Nebraskaland 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 | Nebraskaland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Nebraskaland 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 | Nebraskaland 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 | Nebraskaland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 3 counties across 2 states (+0 vs 2024) · $723.6M branch deposits. Biggest market: Lincoln, NE, ranked 1st with 23.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, NE | 4 | $354.3M | 23.46% | 1st |
| Sweetwater, WY | 1 | $199.1M | 14.30% | 2nd |
| Buffalo, NE | 1 | $170.2M | 7.24% | 6th |
Nebraska: 32nd with 0.54% · Wyoming: 35th with 0.80% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6