State Nebraska Bank & Trust
Total assets
$244.0M
▼ -3.4% YoY
Deposits
$203.8M
▲ +0.9% YoY
Loans
$161.3M
▼ -1.3% YoY
Offices
2
STATE NATIONAL BANCSHARES INC
ROA (annualized)
1.20%
peers 1.24%
ROE (annualized)
12.62%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +4.4% | -7.8 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.0 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.8 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 12.6% | 11.9% | +0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
Profile
- Established
- 1892
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- STATE NATIONAL BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 122 Main St, Wayne, NE, 68787
- County
- Wayne
- Offices
- 2
- FDIC cert #
- 5490
- RSSD ID
- 581358
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $244.0M | $203.8M | $161.3M | $24.2M | $1.5M | 1.20% | 3.57% | 1.08% |
| Q1 2026 | $249.4M | $200.8M | $167.7M | $23.4M | $797K | 1.28% | 3.52% | 0.87% |
| Q4 2025 | $250.0M | $203.4M | $164.6M | $23.0M | $2.1M | 0.83% | 2.97% | 0.88% |
| Q3 2025 | $254.9M | $205.0M | $164.1M | $22.4M | $1.6M | 0.85% | 2.89% | 0.83% |
| Q2 2025 | $252.6M | $201.9M | $163.4M | $21.0M | $934K | 0.75% | 2.79% | 0.86% |
| Q1 2025 | $248.9M | $203.0M | $154.7M | $20.1M | $352K | 0.57% | 2.56% | 0.98% |
| Q4 2024 | $248.4M | $201.8M | $152.3M | $19.0M | $1.4M | 0.57% | 2.53% | 0.87% |
| Q3 2024 | $247.7M | $208.7M | $149.5M | $19.8M | $955K | 0.52% | 2.48% | 1.14% |
Loan mix (Q2 2026): real estate $109.4M · commercial $21.7M · consumer $6.3M · securities $61.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 62.9% | 16th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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