State Nebraska Bank &TRUST: 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 dropped 14.57 percentage points in Q2 2026, from 125.04% to 110.47%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, State Nebraska Bank &TRUST is 98th of 138 on return on assets, 1.10% as of Q2 2026, below the middle of the field. State Nebraska Bank &TRUST reported 1.10% on return on assets for Q2 2026, 0.14 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.95% |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.44% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 9.87% |
| Allowance for credit losses to loans | 1.60% |
| Reserve coverage of non-performing loans | 110.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 11.55% |
| Net interest margin | 3.61% |
| Efficiency ratio | 49.34% |
| Yield on earning assets | 5.68% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.45% |
| Core deposits to total deposits | 90.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.53% |
| Securities to assets | 25.02% |
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 | 13.83% | 13.83% | 15.00% | 10.39% | 0.88% |
| Q4 2023 | 13.37% | 13.37% | 14.49% | 10.23% | 0.67% |
| Q1 2024 | 13.36% | 13.36% | 14.53% | 9.85% | 0.22% |
| Q2 2024 | 13.16% | 13.16% | 14.29% | 9.66% | 0.57% |
| Q3 2024 | 13.13% | 13.13% | 14.26% | 9.84% | 0.77% |
| Q4 2024 | 13.25% | 13.25% | 14.37% | 9.90% | 0.74% |
| Q1 2025 | 13.23% | 13.23% | 14.36% | 10.05% | 0.57% |
| Q2 2025 | 13.18% | 13.18% | 14.27% | 9.94% | 0.92% |
| Q3 2025 | 13.41% | 13.41% | 14.55% | 9.97% | 1.03% |
| Q4 2025 | 13.71% | 13.71% | 14.88% | 10.20% | 0.76% |
| Q1 2026 | 13.88% | 13.88% | 15.10% | 10.53% | 1.26% |
| Q2 2026 | 14.69% | 14.69% | 15.95% | 10.89% | 1.10% |
State Nebraska Bank &TRUST vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Nebraska Bank &TRUST, 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 State Nebraska Bank &TRUST profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5490) · FFIEC NIC profile (RSSD 581358)