Nebraska State Bank: how it compares with its peers
Against 8 NE banks with half to twice its assets, Nebraska State Bank's strongest measure in Q2 2026 is return on assets (0.60% vs. a 0.97% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.4M).
| Measure | Nebraska State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.60% | 0.97% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.87% | 4.35% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.57% | 71.17% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.4M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.95% | 76.22% | Context |
What it means for lending operations
Its efficiency ratio of 78.57% is above the 71.17% 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
- Boelus State Bank Boelus, NE · $24M
- The Bank of Steinauer Steinauer, NE · $19M
- Citizens State Bank Carleton, NE · $36M
- Nebraska State Bank Bristow, NE · $37M
- Bank of Mead Mead, NE · $40M
- Corn Growers State Bank Murdock, NE · $40M
Questions about Nebraska State Bank
How big is Nebraska State Bank?
Nebraska State Bank, established in 1946, is headquartered in Lynch, NE. It reported $25M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Nebraska State Bank's return on assets?
0.60% annualized in Q2 2026, against a 0.97% median for 8 NE banks with half to twice its assets, ahead of 38% of them.
What is Nebraska State Bank's efficiency ratio?
78.57% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 71.17%, and lower is better.
Is Nebraska State Bank growing its loans?
Net loans grew 77.5% over the year to Q2 2026, while deposits grew 31.4%.
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.