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Countryside Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 1438

Unadilla, NE

3 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 +1.7% year over year ($96.7M on the books).
  • Delinquency rate 0.36%.
  • Return on assets 1.35%.
  • Efficiency ratio 61.26% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.51% 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) →

Countryside Bank has 2 strengths but faces 3 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

  • + Efficiency Ratio 3.22% below tier average
  • + Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.2% in tier
  • - Credit Quality Pressure: Bottom 43.9% in tier
  • - Net Interest Margin 0.53% below tier average
Get updates when Countryside 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 ? $118.5M
+2.2% YoY -1.8% QoQ
-$268.0M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Bottom 5.2% in tier
Total Loans ? $67.2M
+0.7% YoY +2.7% QoQ
-$191.1M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
Bottom 6.3% in tier
Total Deposits ? $96.7M
+1.7% YoY -2.5% QoQ
-$230.0M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 4.7% in tier
Return on Assets ? 1.35%
+11.9% YoY -7.2% QoQ
+0.03% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 3.46%
+8.2% YoY +1.6% QoQ
-0.53% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 61.26%
+0.9% YoY -1.5% QoQ
-3.22% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 0.36%
-18.6% QoQ
-0.56% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 69.51%
-1.0% YoY +5.3% QoQ
-8.44% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 22.54%
-11.6% YoY -6.7% QoQ
+0.50% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.20%
-14.9% QoQ
-0.47% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 15.20%
+3.5% YoY +2.6% QoQ
-0.71% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.26%
+1.4% YoY +82.3% QoQ
-0.31% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
65%

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 22.5%
-2.9pp YoY
-1.6pp QoQ
 +0.4pp 22.1% 17.6% 22.2% 57%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 9.8%
-3.7pp YoY
-1.7pp QoQ
 -1.8pp 11.6% 12.3% 12.5% 51%
CRE 13.0%
+0.6pp YoY
-1.5pp QoQ
 -26.5pp 39.5% 32.3% 41.4% 8%
1-4 Family 30.4%
+2.8pp YoY
+1.9pp QoQ
 -2.3pp 32.6% 16.9% 31.3% 52%
Consumer 6.5%
-0.3pp YoY
-0.2pp QoQ
 +2.4pp 4.1% 3.1% 5.0% 84%

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 15.2%
+0.5pp YoY
+0.4pp QoQ
 +3.0pp 12.2% 12.1% 12.6% 88%
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 15
-1 (-6.2%) YoY
-1 (-6.2%) QoQ
 -44 58 98 482 4%
Assets per Employee ($) $7.9M
+9.1% YoY
+4.8% QoQ
 +$384K $7.5M $8.5M $8.8M 66%
Branch Count 3
0 YoY
0 QoQ
 -2 4 7 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.4pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 10%
Nonaccrual 0.4% -0.6pp 0.9% 0.8% 1.0% 43%
Allowance Coverage 2.79x
-95.2% YoY
+17.7% QoQ
 -21.36x 24.15x 31.69x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 9.0%
+0.5pp YoY
-0.8pp QoQ
 -3.2pp 12.2% 12.3% 11.6% 31%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.9% 1.7% 38%
Net Income ($, YTD) $803,000
+14.4% YoY
— QoQ
 -$1.8M $2.6M $6.1M $40.4M 20%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#106 of 936 • Bottom 11.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#552 of 1256 • Bottom 43.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.36%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2520
Total Deposits
size
Value: $96.70M
Peer Median: $326.73M
#2520 of 2643 Bottom 4.7% in $100M-$1B
2507
Total Assets
size
Value: $118.53M
Peer Median: $386.57M
#2507 of 2643 Bottom 5.2% in $100M-$1B
2477
Total Loans
size
Value: $67.22M
Peer Median: $258.35M
#2477 of 2643 Bottom 6.3% in $100M-$1B
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