Custer Federal State Bank: how it compares with its peers
Against 54 NE banks with half to twice its assets, Custer Federal State Bank's strongest measure in Q2 2026 is net interest margin (3.74% vs. a 3.90% peer median). Its weakest relative measure is efficiency ratio (66.62% vs. 57.57%).
| Measure | Custer Federal State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.38% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 3.90% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.62% | 57.57% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $8.5M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.40% | 80.70% | Context |
What it means for lending operations
Its efficiency ratio of 66.62% is above the 57.57% 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
- First Central Bank McCook Mccook, NE · $123M
- Countryside Bank Unadilla, NE · $119M
- Wahoo State Bank Wahoo, NE · $117M
- American Interstate Bank Elkhorn, NE · $132M
- First Bank and Trust of Fullerton Fullerton, NE · $108M
- Platte Valley Bank North Bend, NE · $107M
Questions about Custer Federal State Bank
How big is Custer Federal State Bank?
Custer Federal State Bank, established in 1925, is headquartered in Broken Bow, NE. It reported $121M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Custer Federal State Bank's return on assets?
1.10% annualized in Q2 2026, against a 1.38% median for 54 NE banks with half to twice its assets, ahead of 31% of them.
What is Custer Federal State Bank's efficiency ratio?
66.62% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 57.57%, and lower is better.
Is Custer Federal State Bank growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 1.5%.
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.