Henderson State Bank: how it compares with its peers
Against 48 NE banks with half to twice its assets, Henderson State Bank's strongest measure in Q2 2026 is efficiency ratio (44.32% vs. a 59.76% peer median). Its weakest relative measure is net interest margin (4.01% vs. 3.78%).
| Measure | Henderson State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.32% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 3.78% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.32% | 59.76% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $8.1M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.36% | 86.13% | Context |
What it means for lending operations
Its efficiency ratio of 44.32% is better than the 59.76% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Washington County Bank Blair, NE · $662M
- Bruning Bank Bruning, NE · $660M
- Arbor Bank Nebraska City, NE · $702M
- Citizens State Bank Wisner, NE · $653M
- Madison County Bank Madison, NE · $613M
- Heritage Bank Wood River, NE · $612M
Questions about Henderson State Bank
How big is Henderson State Bank?
Henderson State Bank, established in 1943, is headquartered in Henderson, NE. It reported $678M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Henderson State Bank's return on assets?
1.58% annualized in Q2 2026, against a 1.32% median for 48 NE banks with half to twice its assets, ahead of 69% of them.
What is Henderson State Bank's efficiency ratio?
44.32% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 59.76%, and lower is better.
Is Henderson State Bank growing its loans?
Net loans grew 25.3% over the year to Q2 2026, while deposits grew 18.1%.
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.