Bank of Elgin: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.23 percentage points higher than in Q1 2026, at 92.51%. Among 138 Nebraska banks, Bank of Elgin sits 7th from the top on return on assets, 2.58% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Bank of Elgin reported 2.58% on return on assets in Q2 2026, 1.60 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.54% |
| Equity capital to assets | 13.81% |
| Tangible equity to tangible assets | 13.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.58% |
| Return on equity | 18.89% |
| Net interest margin | 4.47% |
| Efficiency ratio | 44.17% |
| Yield on earning assets | 5.72% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.76% |
| Core deposits to total deposits | 92.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.58% |
| Securities to assets | 18.83% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.88% | 2.28% | 3.82% | 0.00% | 0.00% |
| Q4 2023 | 13.00% | 2.34% | 3.97% | 0.00% | 0.00% |
| Q1 2024 | 12.82% | 2.02% | 3.87% | 0.00% | 0.00% |
| Q2 2024 | 13.48% | 2.12% | 4.01% | 0.00% | 0.00% |
| Q3 2024 | 13.52% | 2.35% | 3.85% | 0.00% | 0.00% |
| Q4 2024 | 13.82% | 2.33% | 4.24% | 0.00% | 0.00% |
| Q1 2025 | 12.96% | 2.00% | 4.21% | 0.00% | 0.00% |
| Q2 2025 | 13.93% | 2.10% | 4.33% | 0.00% | 0.00% |
| Q3 2025 | 14.26% | 2.44% | 4.47% | 0.00% | 0.00% |
| Q4 2025 | 14.19% | 2.23% | 4.47% | 0.00% | 0.00% |
| Q1 2026 | 13.49% | 2.20% | 4.37% | 0.00% | 0.00% |
| Q2 2026 | 13.54% | 2.58% | 4.47% | 0.00% | 0.00% |
Bank of Elgin vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Elgin, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Elgin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16154) · FFIEC NIC profile (RSSD 485054)