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Cattle Bank and Trust

$100M-$1B Specialty: Agricultural NE FDIC cert 5472

Seward, NE

4 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 ($347.2M on the books).
  • Delinquency rate 0.08%.
  • Return on assets 2.14%.
  • Efficiency ratio 48.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.57% 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) →

Cattle Bank and Trust has 3 strengths but faces 2 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

  • + Profitability Leader: Top 17.2% in tier
  • + Efficiency Ratio 16.29% below tier average
  • + Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.9% in tier
  • - Net Interest Margin 0.08% below tier average
Get updates when Cattle Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $421.9M
+2.3% YoY +1.4% QoQ
+$35.4M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $317.9M
+2.9% YoY +3.1% QoQ
+$59.6M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $347.2M
-0.4% YoY -3.0% QoQ
+$20.5M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 2.14%
+32.1% YoY +3.0% QoQ
+0.82% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
Top 10.2% in tier
Net Interest Margin ? 3.91%
+12.0% YoY +1.4% QoQ
-0.08% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 48.19%
-8.1% YoY -0.4% QoQ
-16.29% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
Top 13.4% in tier
Delinquency Rate ? 0.08%
-73.6% YoY -7.2% QoQ
-0.84% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 91.57%
+3.4% YoY +6.3% QoQ
+13.62% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 17.61%
-6.9% YoY -0.9% QoQ
-4.42% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.06%
-73.5% YoY -5.6% QoQ
-0.61% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
78%
Tier 1 Capital Ratio ? 12.87%
+5.8% YoY +2.3% QoQ
-3.04% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.23%
+20.1% YoY +95.5% QoQ
-0.34% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
59%

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 17.6%
-1.3pp YoY
-0.2pp QoQ
 -4.5pp 22.1% 17.6% 22.2% 34%
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 5.9%
-0.4pp YoY
-0.7pp QoQ
 -5.7pp 11.6% 12.3% 12.5% 25%
CRE 38.0%
+2.1pp YoY
-0.1pp QoQ
 -1.5pp 39.5% 32.3% 41.4% 49%
1-4 Family 29.3%
+0.4pp YoY
+1.2pp QoQ
 -3.3pp 32.6% 16.9% 31.3% 49%
Consumer 0.5%
-0.1pp YoY
0.0pp QoQ
 -3.6pp 4.1% 3.1% 5.0% 17%

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 12.9%
+0.7pp YoY
+0.3pp QoQ
 +0.7pp 12.2% 12.1% 12.6% 74%
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 44
-1 (-2.2%) YoY
0 QoQ
 -15 58 98 482 46%
Assets per Employee ($) $9.6M
+4.6% YoY
+1.4% QoQ
 +$2.1M $7.5M $8.5M $8.8M 84%
Branch Count 4
0 YoY
0 QoQ
 -1 4 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 17%
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 14%
Allowance Coverage 16.89x
+286.8% YoY
+4.5% QoQ
 -7.26x 24.15x 31.69x 20.23x 87%
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 18.6%
+3.0pp YoY
+0.3pp QoQ
 +6.4pp 12.2% 12.3% 11.6% 84%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.9% 1.7% 65%
Net Income ($, YTD) $4.5M
+36.7% YoY
— QoQ
 +$2.0M $2.6M $6.1M $40.4M 84%

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)

Profitability Leader

growth
#115 of 661 • Top 17.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.14%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#97 of 691 • Bottom 13.9% 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: 91.57%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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 (4 metrics)

270
Return on Assets
profitability
Value: 2.14%
Peer Median: 1.32%
#270 of 2643 Top 10.2% in $100M-$1B
354
Efficiency Ratio
profitability
Value: 48.19%
Peer Median: 64.48%
#354 of 2643 Top 13.4% in $100M-$1B
594
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#594 of 2643 Top 22.4% in $100M-$1B
623
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.92%
#623 of 2633 Top 23.6% in $100M-$1B

Top Weaknesses (1 metrics)

2034
Loan-to-Deposit Ratio
liquidity
Value: 91.57%
Peer Median: 77.95%
#2034 of 2643 Bottom 23.1% in $100M-$1B
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