Wahoo State Bank: how it compares with its peers
Against 54 NE banks with half to twice its assets, Wahoo State Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $8.1M peer median). Its weakest relative measure is efficiency ratio (77.40% vs. 58.86%).
| Measure | Wahoo State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.35% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 3.93% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.40% | 58.86% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $8.1M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.83% | 80.70% | Context |
What it means for lending operations
Its efficiency ratio of 77.40% is above the 58.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Countryside Bank Unadilla, NE · $119M
- Custer Federal State Bank Broken Bow, NE · $121M
- First Central Bank McCook Mccook, NE · $123M
- First Bank and Trust of Fullerton Fullerton, NE · $108M
- Platte Valley Bank North Bend, NE · $107M
- American Interstate Bank Elkhorn, NE · $132M
Questions about Wahoo State Bank
How big is Wahoo State Bank?
Wahoo State Bank, established in 1932, is headquartered in Wahoo, NE. It reported $117M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Wahoo State Bank's return on assets?
0.78% annualized in Q2 2026, against a 1.35% median for 54 NE banks with half to twice its assets, ahead of 17% of them.
What is Wahoo State Bank's efficiency ratio?
77.40% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 58.86%, and lower is better.
Is Wahoo State Bank growing its loans?
Net loans shrank 4.3% over the year to Q2 2026, while deposits shrank 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.