Henderson State 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 35.73 percentage points higher than in Q1 2026, at 286.69%. Henderson State Bank ranks 49th of 138 Nebraska banks on return on assets, in the upper half at 1.58% (Q2 2026). Henderson State Bank reported 1.58% on return on assets for Q2 2026, 0.34 points above the 1.25% median for banks in the $100M-1B 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 | 10.41% |
| Equity capital to assets | 10.02% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.50% |
| Allowance for credit losses to loans | 0.75% |
| Reserve coverage of non-performing loans | 286.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 15.57% |
| Net interest margin | 4.04% |
| Efficiency ratio | 43.70% |
| Yield on earning assets | 6.79% |
| Cost of funds | 2.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.19% |
| Core deposits to total deposits | 56.94% |
| Brokered deposits to total deposits | 25.86% |
| Deposits to assets | 75.28% |
| Securities to assets | 12.45% |
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 | 12.45% | 1.62% | 3.69% | 0.89% | -0.00% |
| Q4 2023 | 11.95% | 1.47% | 3.53% | 0.85% | -0.00% |
| Q1 2024 | 11.52% | 1.61% | 3.62% | 0.00% | -0.01% |
| Q2 2024 | 11.13% | 1.38% | 3.27% | 0.00% | -0.00% |
| Q3 2024 | 10.67% | 1.29% | 3.19% | 0.00% | -0.00% |
| Q4 2024 | 10.65% | 1.19% | 3.48% | 0.00% | 0.00% |
| Q1 2025 | 10.30% | 1.51% | 3.78% | 0.00% | -0.00% |
| Q2 2025 | 10.59% | 1.71% | 4.01% | 0.30% | -0.00% |
| Q3 2025 | 9.95% | 1.81% | 4.08% | 0.14% | 0.41% |
| Q4 2025 | 10.55% | 1.56% | 4.02% | 0.22% | -0.01% |
| Q1 2026 | 10.57% | 1.58% | 3.96% | 0.29% | 0.00% |
| Q2 2026 | 10.41% | 1.58% | 4.04% | 0.26% | -0.00% |
Henderson State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Henderson State 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 Henderson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17229) · FFIEC NIC profile (RSSD 97055)