Nebraska State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Nebraska State Bank of Oshkosh, NE against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 5.00% | 0.85% | +4.15% | 93rd top |
| ROAE | 28.65% | 5.23% | +23.42% | 97th top |
| Net Interest Margin | 5.52% | 3.94% | +1.58% | 95th top |
| Efficiency Ratio | 31.09% | 76.13% | -45.04% | 98th top |
| PPNR / Avg Assets | 4.75% | — | — | 96th top |
| Yield on Earning Assets | 7.56% | 5.42% | +2.14% | 97th top |
| Cost of Funds | 2.18% | 1.69% | +0.49% | 21st bottom |
| Net Interest Spread | 4.90% | — | — | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.40% | 1.23% | +0.17% | 28th below |
| NPA / Total Assets | 2.40% | — | — | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.96% | — | — | 25th below |
| ACL / NPLs (Coverage) | 68.51% | — | — | 32nd below |
| Texas Ratio | 13.83% | 7.23% | +6.60% | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.08% | 14.13% | +3.95% | 75th top |
| Equity / Assets | 16.64% | 13.07% | +3.57% | 73rd above |
| TCE / Tangible Assets | 16.64% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.08% | 68.58% | +22.50% | 17th bottom |
| Core Deposit Ratio | 85.38% | 88.79% | -3.41% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.91% | — | — | 79th top |
| Loan Growth (Y/Y) | -2.10% | — | — | 30th below |
| Deposit Growth (Y/Y) | 9.57% | — | — | 83rd top |
See Nebraska State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Nebraska State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Nebraska State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Nebraska State Bank peer analysis.