Bank of Steinauer: 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.
Loan-to-deposit ratio climbed 30.07 percentage points in Q2 2026, from 48.98% to 79.04%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Bank of Steinauer is 107th of 138 on return on assets, 1.02% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Bank of Steinauer sits 0.03 points higher, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.29% |
| Tier 1 risk-based capital ratio | 15.29% |
| Total risk-based capital ratio | 15.88% |
| Tier 1 leverage ratio | 7.89% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
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 | 0.58% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 13.11% |
| Net interest margin | 4.39% |
| Efficiency ratio | 76.78% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.04% |
| Core deposits to total deposits | 96.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.59% |
| Securities to assets | 2.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.95% | 15.95% | 16.83% | 8.65% | 0.30% |
| Q4 2023 | 14.11% | 14.11% | 14.77% | 8.15% | 0.14% |
| Q1 2024 | — | — | — | 10.15% | 0.52% |
| Q2 2024 | — | — | — | 10.15% | 0.68% |
| Q3 2024 | — | — | — | 10.32% | 0.86% |
| Q4 2024 | — | — | — | 9.49% | -0.72% |
| Q1 2025 | — | — | — | 8.33% | 1.30% |
| Q2 2025 | — | — | — | 8.18% | 1.15% |
| Q3 2025 | 16.31% | 16.31% | 16.96% | 8.63% | 0.81% |
| Q4 2025 | 14.73% | 14.73% | 15.34% | 7.94% | -2.05% |
| Q1 2026 | 14.88% | 14.88% | 15.48% | 7.52% | 0.84% |
| Q2 2026 | 15.29% | 15.29% | 15.88% | 7.89% | 1.02% |
Bank of Steinauer vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Steinauer, 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 Steinauer profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10635) · FFIEC NIC profile (RSSD 384353)