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Pathway Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 1992

Cairo, NE

5 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 +1.6% year over year ($245.5M on the books).
  • Delinquency rate 3.91%.
  • Return on assets 1.57%.
  • Efficiency ratio 57.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.97% 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) →

Pathway 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

  • + ROA 0.24% above tier average
  • + Efficiency Ratio 7.29% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 24.2% in tier
  • - Delinquency Rate 2.99% above tier average
  • - Non-Interest-Bearing Deposit Share 12.91% below tier average
  • - Nonperforming Asset Ratio 2.08% above tier average
  • - Net Interest Margin 0.63% below tier average
Get updates when Pathway 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 ? $338.1M
-1.8% YoY -1.7% QoQ
-$48.4M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $238.1M
+1.5% YoY +0.8% QoQ
-$20.3M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $245.5M
+1.6% YoY +2.8% QoQ
-$81.2M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 1.57%
+42.2% YoY +1.9% QoQ
+0.24% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 3.36%
+5.7% YoY +2.9% QoQ
-0.63% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 57.19%
-3.1% YoY +1.3% QoQ
-7.29% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
66%
Delinquency Rate ? 3.91%
+243.9% YoY
+2.99% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Bottom 3.8% in tier
Loan-to-Deposit Ratio ? 96.97%
-0.1% YoY -2.0% QoQ
+19.02% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Bottom 13.8% in tier
Non-Interest-Bearing Deposit Share ? 9.12%
+7.9% YoY -3.0% QoQ
-12.91% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 9.0% in tier
Nonperforming Asset Ratio ? 2.75%
+254.5% YoY
+2.08% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Bottom 4.0% in tier
Tier 1 Capital Ratio ? 12.43%
+4.5% YoY +2.9% QoQ
-3.47% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.31%
-2.5% YoY +84.8% QoQ
-0.25% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
74%

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 9.1%
+0.7pp YoY
-0.3pp QoQ
 -13.0pp 22.1% 17.6% 22.2% 8%
Brokered Deposits 5.4%
-3.3pp YoY
-0.2pp QoQ
 -2.4pp 7.9% 8.9% 8.5% 55%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 7.8%
-0.9pp YoY
-0.4pp QoQ
 -3.7pp 11.6% 12.3% 12.5% 38%
CRE n/a n/a 39.5% 32.3% 41.4% n/a
1-4 Family 4.9%
-2.5pp YoY
-1.2pp QoQ
 -27.7pp 32.6% 16.9% 31.3% 5%
Consumer 0.6%
+0.1pp YoY
0.0pp QoQ
 -3.5pp 4.1% 3.1% 5.0% 19%

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 12.4%
+0.5pp YoY
+0.4pp QoQ
 +0.3pp 12.2% 12.1% 12.6% 69%
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 43
0 YoY
-1 (-2.3%) QoQ
 -16 58 98 482 45%
Assets per Employee ($) $7.9M
-1.8% YoY
+0.6% QoQ
 +$346K $7.5M $8.5M $8.8M 66%
Branch Count 5
+1 (+25.0%) YoY
0 QoQ
 0 4 7 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 3.9%
+2.8pp YoY
+3.8pp QoQ
 +3.6pp 0.3% 0.4% 0.4% 99%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 1%
Allowance Coverage 0.38x
-70.8% YoY
-98.2% QoQ
 -23.77x 24.15x 31.69x 20.23x 6%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 13.4%
+3.2pp YoY
0.0pp QoQ
 +1.2pp 12.2% 12.3% 11.6% 58%
Cost of Funds (YTD) 2.7%
-0.2pp YoY
0.0pp QoQ
 +1.0pp 1.7% 1.9% 1.7% 94%
Net Income ($, YTD) $2.7M
+44.2% YoY
— QoQ
 +$129K $2.6M $6.1M $40.4M 65%

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 (1)

Liquidity Strain

risk
#168 of 691 • Bottom 24.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 96.97%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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 (5 metrics)

2535
Delinquency Rate
credit_quality
Value: 3.91%
Peer Median: 0.92%
#2535 of 2633 Bottom 3.8% in $100M-$1B
2537
Nonperforming Asset Ratio
credit_quality
Value: 2.75%
Peer Median: 0.67%
#2537 of 2643 Bottom 4.0% in $100M-$1B
2406
Non-Interest-Bearing Deposit Share
funding
Value: 9.12%
Peer Median: 22.03%
#2406 of 2643 Bottom 9.0% in $100M-$1B
2280
Loan-to-Deposit Ratio
liquidity
Value: 96.97%
Peer Median: 77.95%
#2280 of 2643 Bottom 13.8% in $100M-$1B
2063
Net Interest Margin
profitability
Value: 3.36%
Peer Median: 3.99%
#2063 of 2643 Bottom 22.0% in $100M-$1B
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