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Nebraska State Bank and Trust Company

$100M-$1B Specialty: Agricultural NE FDIC cert 8322

Broken Bow, 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 +3.2% year over year ($233.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.92%.
  • Efficiency ratio 54.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.11% 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) →

Nebraska State Bank and Trust Company has 4 strengths but faces 1 concern

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 0.60% above tier average
  • + Net Interest Margin 0.41% above tier average
  • + Efficiency Ratio 9.59% below tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.3% in tier
Get updates when Nebraska State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $285.8M
+3.8% YoY +1.9% QoQ
-$100.8M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $219.9M
+0.2% YoY +1.3% QoQ
-$38.4M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $233.7M
+3.2% YoY +0.8% QoQ
-$93.1M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.92%
+5.8% YoY +12.2% QoQ
+0.60% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 4.40%
+6.1% YoY +1.2% QoQ
+0.41% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 54.89%
-2.2% YoY -5.9% QoQ
-9.59% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.00%
-98.9% YoY -70.4% QoQ
-0.92% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Top 12.0% in tier
Loan-to-Deposit Ratio ? 94.11%
-2.9% YoY +0.5% QoQ
+16.16% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 15.34%
-12.4% YoY -2.7% QoQ
-6.69% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.00%
-98.9% YoY -70.5% QoQ
-0.67% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Top 11.1% in tier
Tier 1 Capital Ratio ? 15.49%
+25.7% YoY +0.7% QoQ
-0.42% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.15%
-1.0% YoY +99.7% QoQ
-0.42% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
33%

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 15.3%
-2.2pp YoY
-0.4pp QoQ
 -6.8pp 22.1% 17.6% 22.2% 25%
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 13.9%
+1.9pp YoY
+1.8pp QoQ
 +2.4pp 11.6% 12.3% 12.5% 72%
CRE 17.0%
-6.8pp YoY
-2.0pp QoQ
 -22.6pp 39.5% 32.3% 41.4% 13%
1-4 Family 13.3%
+0.7pp YoY
0.0pp QoQ
 -19.3pp 32.6% 16.9% 31.3% 16%
Consumer 3.3%
-0.4pp YoY
-0.2pp QoQ
 -0.8pp 4.1% 3.1% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 15.5%
+0.1pp QoQ
 -3.3pp 18.8% 16.1% 19.7% 54%
Leverage Ratio 13.0%
+0.6pp YoY
+0.2pp QoQ
 +0.8pp 12.2% 12.1% 12.6% 74%
Total Capital Ratio 16.6%
+0.1pp QoQ
 -3.3pp 19.9% 17.3% 20.8% 54%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 38
+1 (+2.7%) YoY
+3 (+8.6%) QoQ
 -21 58 98 482 39%
Assets per Employee ($) $7.5M
+1.0% YoY
-6.2% QoQ
 +$2K $7.5M $8.5M $8.8M 61%
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%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 5%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 889.33x
+9552.0% YoY
+236.9% QoQ
 +865.18x 24.15x 31.69x 20.23x 100%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 16.0%
-1.1pp YoY
+1.6pp QoQ
 +3.8pp 12.2% 12.3% 11.6% 73%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.9% 1.7% 34%
Net Income ($, YTD) $2.7M
+5.7% YoY
— QoQ
 +$168K $2.6M $6.1M $40.4M 66%

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
#86 of 691 • Bottom 12.3% 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: 94.11%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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 (3 metrics)

295
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#295 of 2643 Top 11.1% in $100M-$1B
318
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#318 of 2633 Top 12.0% in $100M-$1B
410
Return on Assets
profitability
Value: 1.92%
Peer Median: 1.32%
#410 of 2643 Top 15.5% in $100M-$1B

Top Weaknesses (1 metrics)

2174
Loan-to-Deposit Ratio
liquidity
Value: 94.11%
Peer Median: 77.95%
#2174 of 2643 Bottom 17.8% in $100M-$1B
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