Nebraska 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: 28.00 percentage points higher than in Q1 2026, at 56.00%. On return on assets, Nebraska State Bank is 1st from the bottom among 138 Nebraska banks, -1.11% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Nebraska State Bank reported -1.11% on return on assets in Q2 2026, 2.10 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.42% |
| Equity capital to assets | 9.63% |
| Tangible equity to tangible assets | 9.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.26% |
| Non-performing assets ratio | 1.16% |
| Net charge-off ratio | 0.99% |
| Texas ratio | 11.30% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 56.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.11% |
| Return on equity | -8.20% |
| Net interest margin | 4.51% |
| Efficiency ratio | 78.82% |
| Yield on earning assets | 6.04% |
| Cost of funds | 1.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.35% |
| Core deposits to total deposits | 95.45% |
| Brokered deposits to total deposits | 9.47% |
| Deposits to assets | 89.75% |
| Securities to assets | — |
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 | 14.99% | 0.98% | 4.47% | 0.17% | -0.03% |
| Q4 2023 | 14.82% | 0.41% | 4.59% | 0.15% | 0.00% |
| Q1 2024 | 14.83% | 1.23% | 4.48% | 0.14% | 0.00% |
| Q2 2024 | 14.83% | 1.46% | 4.85% | 0.00% | -0.06% |
| Q3 2024 | 15.70% | 1.96% | 4.97% | 0.00% | -0.09% |
| Q4 2024 | 15.62% | 0.85% | 4.74% | 0.00% | 2.13% |
| Q1 2025 | 14.94% | 1.10% | 4.55% | 0.00% | -0.03% |
| Q2 2025 | 14.51% | 1.41% | 4.53% | 0.00% | -0.06% |
| Q3 2025 | 14.89% | 0.76% | 3.72% | 3.19% | 0.00% |
| Q4 2025 | 15.28% | 0.84% | 4.43% | 3.19% | 0.00% |
| Q1 2026 | 14.61% | 0.76% | 4.35% | 2.62% | -0.08% |
| Q2 2026 | 13.42% | -1.11% | 4.51% | 2.26% | 0.99% |
Nebraska State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Nebraska 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 Nebraska State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13696) · FFIEC NIC profile (RSSD 70955)