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Wahoo State Bank

$100M-$1B Specialty: Other NE FDIC cert 1163

Wahoo, NE

2 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits -0.4% year over year ($91.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.78%.
  • Efficiency ratio 77.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Wahoo State Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 28.4% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 6.5% in tier
  • - Flatlined Growth: Bottom 14.0% in tier
  • - ROA 0.54% below tier average
  • - Net Interest Margin 0.33% below tier average
  • - Efficiency Ratio 12.92% above tier average
Get updates when Wahoo State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $116.5M
-0.6% YoY +2.2% QoQ
-$270.0M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Bottom 4.6% in tier
Total Loans ? $82.4M
-4.3% YoY -1.9% QoQ
-$176.0M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
Bottom 11.6% in tier
Total Deposits ? $91.7M
-0.4% YoY +1.8% QoQ
-$235.0M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 3.1% in tier
Return on Assets ? 0.78%
+18.5% YoY +1.7% QoQ
-0.54% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
22%
Net Interest Margin ? 3.65%
+10.5% YoY +0.3% QoQ
-0.33% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 77.40%
-2.4% YoY -0.2% QoQ
+12.92% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 89.83%
-3.9% YoY -3.6% QoQ
+11.88% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 13.62%
+2.1% YoY +5.0% QoQ
-8.41% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 9.03%
-26.5% YoY -30.8% QoQ
-6.87% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 1.1% in tier
Non-Interest Income / Assets ? 0.20%
+9.3% YoY +104.2% QoQ
-0.36% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 13.6%
+0.3pp YoY
+0.6pp QoQ
 -8.5pp 22.1% 17.6% 22.2% 19%
Brokered Deposits 0.8%
0.0pp YoY
0.0pp QoQ
 -7.1pp 7.9% 8.9% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 3.7%
-1.6pp YoY
0.0pp QoQ
 -7.8pp 11.6% 12.3% 12.5% 13%
CRE 14.1%
+0.9pp YoY
+0.4pp QoQ
 -25.4pp 39.5% 32.3% 41.4% 10%
1-4 Family 59.0%
-0.3pp YoY
-0.9pp QoQ
 +26.4pp 32.6% 16.9% 31.3% 89%
Consumer 5.0%
+0.6pp YoY
+0.1pp QoQ
 +0.9pp 4.1% 3.1% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 9.0%
+0.6pp YoY
0.0pp QoQ
 -3.1pp 12.2% 12.1% 12.6% 12%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 16
0 YoY
0 QoQ
 -43 58 98 482 5%
Assets per Employee ($) $7.3M
-0.6% YoY
+2.2% QoQ
 -$236K $7.5M $8.5M $8.8M 57%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 31.69x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 9.6%
+0.4pp YoY
+0.1pp QoQ
 -2.6pp 12.2% 12.3% 11.6% 34%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.9% 1.7% 33%
Net Income ($, YTD) $449,000
+16.3% YoY
— QoQ
 -$2.1M $2.6M $6.1M $40.4M 10%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#188 of 659 • Top 28.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk
#44 of 661 • Bottom 6.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.03%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Flatlined Growth

risk
#75 of 529 • Bottom 14.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.78%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (7 metrics)

2616
Tier 1 Capital Ratio
capital
Value: 9.03%
Peer Median: 15.91%
#2616 of 2643 Bottom 1.1% in $100M-$1B
2562
Total Deposits
size
Value: $91.71M
Peer Median: $326.73M
#2562 of 2643 Bottom 3.1% in $100M-$1B
2522
Total Assets
size
Value: $116.52M
Peer Median: $386.57M
#2522 of 2643 Bottom 4.6% in $100M-$1B
2337
Total Loans
size
Value: $82.38M
Peer Median: $258.35M
#2337 of 2643 Bottom 11.6% in $100M-$1B
2194
Efficiency Ratio
profitability
Value: 77.40%
Peer Median: 64.48%
#2194 of 2643 Bottom 17.0% in $100M-$1B
2131
Non-Interest-Bearing Deposit Share
funding
Value: 13.62%
Peer Median: 22.03%
#2131 of 2643 Bottom 19.4% in $100M-$1B
2051
Return on Assets
profitability
Value: 0.78%
Peer Median: 1.32%
#2051 of 2643 Bottom 22.4% in $100M-$1B
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