State Nebraska Bank &TRUST: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Nebraska Bank &TRUST of Wayne, NE against its peer group of 2672 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 | 1.10% | 1.34% | -0.24% | 39th below |
| ROAE | 11.55% | 13.31% | -1.76% | 45th below |
| Net Interest Margin | 3.61% | 3.93% | -0.32% | 32nd below |
| Efficiency Ratio | 49.34% | 61.14% | -11.80% | 82nd top |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 54th above |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 28th below |
| Net Interest Spread | 3.22% | 3.32% | -0.10% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.44% | 0.94% | +0.50% | 19th bottom |
| NPA / Total Assets | 0.97% | 0.70% | +0.27% | 21st bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 24th bottom |
| ACL / Total Loans | 1.60% | 1.28% | +0.32% | 83rd top |
| ACL / NPLs (Coverage) | 110.47% | 1539.04% | -1428.57% | 31st below |
| Texas Ratio | 9.87% | 7.33% | +2.54% | 22nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 937.50% | 1395.65% | -458.15% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.69% | 19.50% | -4.81% | 46th below |
| Tier 1 Ratio | 14.69% | 19.54% | -4.85% | 46th below |
| Total Capital Ratio | 15.95% | 20.62% | -4.67% | 47th below |
| Leverage Ratio | 10.89% | 12.14% | -1.25% | 49th below |
| Equity / Assets | 9.90% | 11.37% | -1.47% | 43rd below |
| TCE / Tangible Assets | 9.90% | 11.09% | -1.19% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.45% | 80.64% | -0.19% | 50th above |
| Core Deposit Ratio | 90.39% | 86.86% | +3.53% | 57th above |
| Wholesale Funding Ratio | 6.15% | 5.03% | +1.12% | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.43% | 6.85% | -10.28% | 7th bottom |
| Loan Growth (Y/Y) | -0.91% | 7.90% | -8.81% | 19th bottom |
| Deposit Growth (Y/Y) | 0.94% | 6.29% | -5.35% | 29th below |
See State Nebraska Bank &TRUST's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Nebraska Bank &TRUST, 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 State Nebraska Bank &TRUST profile, how to read a UBPR, or how this data updates.