Hershey 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 climbed 10.77 percentage points in Q2 2026, from 102.10% to 112.87%. It was the largest change from Q1 2026 among the key lines here. Hershey Bank ranks 82nd of 138 Nebraska banks on return on assets, in the lower half at 1.25% (Q2 2026). At 1.25%, Hershey Bank's return on assets is close to the 1.26% 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 | 13.24% |
| Equity capital to assets | 13.32% |
| Tangible equity to tangible assets | 12.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.22% |
| Non-performing assets ratio | 1.14% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.26% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 112.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 9.75% |
| Net interest margin | 4.07% |
| Efficiency ratio | 59.05% |
| Yield on earning assets | 6.28% |
| Cost of funds | 2.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.81% |
| Core deposits to total deposits | 84.75% |
| Brokered deposits to total deposits | 8.43% |
| Deposits to assets | 77.25% |
| Securities to assets | 4.40% |
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 | 17.76% | 17.76% | 19.02% | 13.50% | 1.63% |
| Q4 2023 | 16.67% | 16.67% | 17.92% | 12.76% | 1.62% |
| Q1 2024 | 18.05% | 18.05% | 19.31% | 14.15% | 1.44% |
| Q2 2024 | — | — | — | 14.66% | 1.40% |
| Q3 2024 | — | — | — | 13.37% | 1.49% |
| Q4 2024 | — | — | — | 12.36% | 1.44% |
| Q1 2025 | — | — | — | 12.44% | 1.05% |
| Q2 2025 | — | — | — | 12.94% | 1.18% |
| Q3 2025 | — | — | — | 12.33% | 1.69% |
| Q4 2025 | — | — | — | 11.62% | 1.25% |
| Q1 2026 | — | — | — | 11.28% | 1.19% |
| Q2 2026 | — | — | — | 13.24% | 1.25% |
Hershey Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hershey 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 Hershey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19809) · FFIEC NIC profile (RSSD 96553)