Countryside Bank: 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 3.53 percentage points in Q2 2026, from 66.68% to 70.21%. It was the largest change from Q1 2026 among the key lines here. Countryside Bank ranks 85th of 138 Nebraska banks on return on assets, in the lower half at 1.24% (Q2 2026). At 1.24%, Countryside Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.20% |
| Equity capital to assets | 15.23% |
| Tangible equity to tangible assets | 15.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.29% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 282.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.24% |
| Return on equity | 8.28% |
| Net interest margin | 3.45% |
| Efficiency ratio | 60.11% |
| Yield on earning assets | 4.96% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.21% |
| Core deposits to total deposits | 95.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.58% |
| Securities to assets | 23.60% |
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 | 14.33% | 0.49% | 2.46% | 0.00% | 0.14% |
| Q4 2023 | 14.71% | -0.05% | 2.58% | 0.00% | 0.05% |
| Q1 2024 | 14.63% | 0.94% | 2.46% | 0.00% | -0.01% |
| Q2 2024 | 14.94% | 0.62% | 2.58% | 0.00% | -0.01% |
| Q3 2024 | 14.90% | 0.53% | 2.73% | 0.00% | -0.01% |
| Q4 2024 | 14.71% | 0.64% | 2.83% | 0.00% | 0.03% |
| Q1 2025 | 14.27% | 1.02% | 2.93% | 0.00% | -0.01% |
| Q2 2025 | 14.68% | 1.36% | 3.28% | 0.00% | 0.25% |
| Q3 2025 | 15.19% | 0.98% | 3.47% | 0.00% | 0.03% |
| Q4 2025 | 15.11% | 0.45% | 3.43% | 0.00% | 0.09% |
| Q1 2026 | 14.81% | 1.44% | 3.34% | 0.00% | 0.03% |
| Q2 2026 | 15.20% | 1.24% | 3.45% | 0.35% | 0.01% |
Countryside Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Countryside Bank, 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 Countryside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1438) · FFIEC NIC profile (RSSD 474357)