Sidney Federal Savings and Loan Association: how it compares with its peers
Against 34 NE banks with half to twice its assets, Sidney Federal Savings and Loan Association's strongest measure in Q2 2026 is efficiency ratio (44.22% vs. a 64.47% peer median). Its weakest relative measure is net interest margin (3.56% vs. 3.77%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.78% | 1.14% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.56% | 3.77% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.22% | 64.47% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $8.0M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 34.53% | 76.54% | Context |
What it means for lending operations
Its efficiency ratio of 44.22% is better than the 64.47% 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
- Commercial Bank Nelson, NE · $56M
- Tecumseh Federal Bank Tecumseh, NE · $53M
- Generations Bank Exeter, NE · $58M
- Bank of Clarks Clarks, NE · $58M
- State Bank of Scotia Scotia, NE · $61M
- Cedar Security Bank Fordyce, NE · $62M
Questions about Sidney Federal Savings and Loan Association
How big is Sidney Federal Savings and Loan Association?
Sidney Federal Savings and Loan Association, established in 1899, is headquartered in Sidney, NE. It reported $56M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Sidney Federal Savings and Loan Association's return on assets?
1.78% annualized in Q2 2026, against a 1.14% median for 34 NE banks with half to twice its assets, ahead of 79% of them.
What is Sidney Federal Savings and Loan Association's efficiency ratio?
44.22% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 64.47%, and lower is better.
Is Sidney Federal Savings and Loan Association growing its loans?
Net loans grew 138.1% over the year to Q2 2026, while deposits grew 26.1%.
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.