Dayspring 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.
Reserve coverage of non-performing loans dropped 20.15 percentage points in Q2 2026, from 89.93% to 69.79%. It was the largest change from Q1 2026 among the key lines here. Dayspring Bank ranks 99th of 138 Nebraska banks on return on assets, in the lower half at 1.10% (Q2 2026). Dayspring Bank reported 1.10% on return on assets for Q2 2026, 0.18 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.71% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 9.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.85% |
| Non-performing assets ratio | 1.35% |
| Net charge-off ratio | -0.12% |
| Texas ratio | 13.74% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 69.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 10.85% |
| Net interest margin | 2.86% |
| Efficiency ratio | 57.83% |
| Yield on earning assets | 5.75% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.33% |
| Core deposits to total deposits | 57.92% |
| Brokered deposits to total deposits | 38.80% |
| Deposits to assets | 75.34% |
| Securities to assets | 17.41% |
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 | 9.36% | 0.16% | 1.45% | 1.26% | -0.00% |
| Q4 2023 | 10.26% | -0.13% | 1.32% | 1.70% | -0.01% |
| Q1 2024 | 10.44% | 0.47% | 1.70% | 1.58% | 0.02% |
| Q2 2024 | 10.31% | 0.89% | 2.08% | 1.18% | -0.00% |
| Q3 2024 | 10.19% | 1.15% | 1.92% | 1.28% | 0.07% |
| Q4 2024 | 10.04% | 0.38% | 1.95% | 1.59% | -0.25% |
| Q1 2025 | 10.35% | 0.65% | 2.24% | 1.57% | 0.10% |
| Q2 2025 | 10.26% | 0.74% | 2.36% | 0.99% | 1.93% |
| Q3 2025 | 10.40% | 0.84% | 2.46% | 1.61% | -0.01% |
| Q4 2025 | 10.49% | 1.13% | 2.59% | 1.41% | 0.77% |
| Q1 2026 | 10.52% | 0.97% | 2.80% | 1.42% | 0.05% |
| Q2 2026 | 10.71% | 1.10% | 2.86% | 1.85% | -0.12% |
Dayspring Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dayspring 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 Dayspring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13622) · FFIEC NIC profile (RSSD 151957)