Bank of Hartington: how it compares with its peers
Against 54 NE banks with half to twice its assets, Bank of Hartington's strongest measure in Q2 2026 is net interest margin (4.45% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $8.5M).
| Measure | Bank of Hartington | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.43% | 1.34% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.45% | 3.77% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.69% | 57.46% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $8.5M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.51% | 82.63% | Context |
What it means for lending operations
Its efficiency ratio of 64.69% is above the 57.46% 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
- State Bank of Table Rock Table Rock, NE · $150M
- Farmers and Merchants Bank of Ashland Ashland, NE · $152M
- Legends West Bank Lewellen, NE · $158M
- Bank of Dixon County Ponca, NE · $142M
- Hershey Bank Hershey, NE · $141M
- West Plains Bank Ainsworth, NE · $139M
Questions about Bank of Hartington
How big is Bank of Hartington?
Bank of Hartington, established in 1917, is headquartered in Hartington, NE. It reported $151M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Bank of Hartington's return on assets?
1.43% annualized in Q2 2026, against a 1.34% median for 54 NE banks with half to twice its assets, ahead of 56% of them.
What is Bank of Hartington's efficiency ratio?
64.69% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 57.46%, and lower is better.
Is Bank of Hartington growing its loans?
Net loans grew 9.9% over the year to Q2 2026, while deposits grew 11.4%.
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.