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I3 Bank

$100M-$1B Specialty: Commercial NE FDIC cert 8595

Bennington, 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 +5.0% year over year ($195.8M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 0.92%.
  • Efficiency ratio 67.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.18% 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) →

I3 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

  • + Net Interest Margin 0.90% above tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 48.1% in tier
  • - ROA 0.40% below tier average
  • - Efficiency Ratio 3.13% above tier average
Get updates when I3 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 ? $225.5M
+10.1% YoY -0.3% QoQ
-$161.1M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $168.7M
+13.1% YoY -3.4% QoQ
-$89.6M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $195.8M
+5.0% YoY -0.8% QoQ
-$131.0M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 0.92%
+72.5% YoY -6.5% QoQ
-0.40% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
30%
Net Interest Margin ? 4.89%
+1.2% YoY +0.8% QoQ
+0.90% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
Top 10.1% in tier
Efficiency Ratio ? 67.61%
-11.7% YoY -3.5% QoQ
+3.13% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.33%
-86.6% YoY -84.1% QoQ
-0.58% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 86.18%
+7.7% YoY -2.6% QoQ
+8.23% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 20.75%
-22.0% YoY -7.6% QoQ
-1.28% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.25%
-86.3% YoY -84.6% QoQ
-0.42% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 10.53%
-7.0% YoY +4.4% QoQ
-5.38% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.33%
+62.2% YoY +134.5% QoQ
-0.24% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
76%

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 20.8%
-5.9pp YoY
-1.7pp QoQ
 -1.4pp 22.1% 17.6% 22.2% 48%
Brokered Deposits 12.3%
+7.3pp YoY
-4.4pp QoQ
 +4.4pp 7.9% 8.9% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 19.6%
-8.3pp YoY
-1.7pp QoQ
 +8.0pp 11.6% 12.3% 12.5% 87%
CRE 56.3%
+11.3pp YoY
+3.0pp QoQ
 +16.7pp 39.5% 32.3% 41.4% 80%
1-4 Family 22.3%
-2.3pp YoY
-0.5pp QoQ
 -10.3pp 32.6% 16.9% 31.3% 35%
Consumer 0.4%
-0.7pp YoY
-0.5pp QoQ
 -3.7pp 4.1% 3.1% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 10.5%
-0.8pp YoY
+0.4pp QoQ
 -8.3pp 18.8% 16.1% 19.7% 5%
Leverage Ratio 8.8%
-1.0pp YoY
-0.3pp QoQ
 -3.4pp 12.2% 12.1% 12.6% 9%
Total Capital Ratio 11.8%
-0.8pp YoY
+0.4pp QoQ
 -8.2pp 19.9% 17.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 40
0 YoY
+2 (+5.3%) QoQ
 -19 58 98 482 41%
Assets per Employee ($) $5.6M
+10.1% YoY
-5.3% QoQ
 -$1.9M $7.5M $8.5M $8.8M 26%
Branch Count 5
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 0.0%
-0.1pp YoY
-0.3pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 15%
Nonaccrual 0.3%
-2.1pp YoY
-1.5pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 41%
Allowance Coverage 4.24x
+638.7% YoY
+525.8% QoQ
 -19.92x 24.15x 31.69x 20.23x 66%
Net Charge-off Rate (YTD) 0.7%
-0.2pp YoY
+0.6pp QoQ
 +0.6pp 0.1% 0.1% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 11.4%
+4.9pp YoY
-0.8pp QoQ
 -0.8pp 12.2% 12.3% 11.6% 46%
Cost of Funds (YTD) 2.5%
+0.3pp YoY
+0.2pp QoQ
 +0.7pp 1.7% 1.9% 1.7% 89%
Net Income ($, YTD) $1.0M
+89.7% YoY
— QoQ
 -$1.5M $2.6M $6.1M $40.4M 27%

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)

NIB Deposit Bleed

decline
#79 of 162 • Bottom 48.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 20.75%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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)

267
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.99%
#267 of 2643 Top 10.1% in $100M-$1B
629
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#629 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (1 metrics)

2191
Tier 1 Capital Ratio
capital
Value: 10.53%
Peer Median: 15.91%
#2191 of 2643 Bottom 17.1% in $100M-$1B
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