Sidney Federal Savings and Loan Association: 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: 107.81 percentage points lower than in Q1 2026, at 44.69%. Sidney Federal Savings and Loan Association ranks 39th of 138 Nebraska banks on return on assets, in the upper half at 1.74% (Q2 2026). Sidney Federal Savings and Loan Association's return on assets of 1.74% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.76 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 34.90% |
| Tier 1 risk-based capital ratio | 34.90% |
| Total risk-based capital ratio | 35.54% |
| Tier 1 leverage ratio | 14.21% |
| Equity capital to assets | 14.09% |
| Tangible equity to tangible assets | 13.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.00% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 4.08% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 44.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 12.07% |
| Net interest margin | 3.51% |
| Efficiency ratio | 41.51% |
| Yield on earning assets | 4.42% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 34.84% |
| Core deposits to total deposits | 99.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.22% |
| Securities to assets | 31.58% |
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 | 10.41% | 10.41% | 11.66% | 5.86% | 5.55% |
| Q4 2023 | 9.48% | 9.48% | 10.73% | 5.38% | -2.67% |
| Q1 2024 | 8.89% | 8.89% | 10.13% | 4.96% | -2.12% |
| Q2 2024 | 7.97% | 7.97% | 9.17% | 4.63% | -2.74% |
| Q3 2024 | 6.51% | 6.51% | 7.69% | 3.67% | -2.84% |
| Q4 2024 | 5.25% | 5.25% | 6.46% | 2.78% | -2.97% |
| Q1 2025 | 3.93% | 3.93% | 5.16% | 2.12% | -3.05% |
| Q2 2025 | 51.17% | 51.17% | 52.08% | 22.86% | 1.98% |
| Q3 2025 | 46.42% | 46.42% | 47.23% | 15.16% | 1.91% |
| Q4 2025 | 45.98% | 45.98% | 46.75% | 15.29% | 2.08% |
| Q1 2026 | 39.15% | 39.15% | 39.84% | 14.40% | 1.85% |
| Q2 2026 | 34.90% | 34.90% | 35.54% | 14.21% | 1.74% |
Sidney Federal Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sidney Federal Savings and Loan Association, 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 Sidney Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29379) · FFIEC NIC profile (RSSD 304575)