Banner Capital Bank: how it compares with its peers
Against 57 NE banks with half to twice its assets, Banner Capital Bank's strongest measure in Q2 2026 is net interest margin (4.58% vs. a 3.96% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $8.2M).
| Measure | Banner Capital Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.88% | 1.43% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.58% | 3.96% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.26% | 57.12% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.2M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.60% | 84.83% | Context |
What it means for lending operations
Its efficiency ratio of 54.26% is better than the 57.12% 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
- Sandhills State Bank North Platte, NE · $383M
- Lincoln FSB of Nebraska Lincoln, NE · $387M
- First Nebraska Bank Valley, NE · $371M
- Waypoint Bank Cozad, NE · $391M
- Flatwater Bank Gothenburg, NE · $368M
- Great Plains State Bank Petersburg, NE · $392M
Questions about Banner Capital Bank
How big is Banner Capital Bank?
Banner Capital Bank, established in 1964, is headquartered in Harrisburg, NE. It reported $380M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Banner Capital Bank's return on assets?
1.88% annualized in Q2 2026, against a 1.43% median for 57 NE banks with half to twice its assets, ahead of 82% of them.
What is Banner Capital Bank's efficiency ratio?
54.26% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 57.12%, and lower is better.
Is Banner Capital Bank growing its loans?
Net loans grew 11.2% over the year to Q2 2026, while deposits grew 6.0%.
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.