Cattle Bank and Trust: how it compares with its peers
Against 52 NE banks with half to twice its assets, Cattle Bank and Trust's strongest measure in Q2 2026 is return on assets (2.14% vs. a 1.42% peer median). Its weakest relative measure is net interest margin (3.91% vs. 3.94%).
| Measure | Cattle Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.14% | 1.42% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.91% | 3.94% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.19% | 57.42% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $8.0M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.57% | 85.61% | Context |
What it means for lending operations
Its efficiency ratio of 48.19% is better than the 57.42% 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
- JONES BANK Seward, NE · $441M
- First Westroads Bank, Inc. Omaha, NE · $395M
- Great Plains State Bank Petersburg, NE · $392M
- Waypoint Bank Cozad, NE · $391M
- Lincoln FSB of Nebraska Lincoln, NE · $387M
- Sandhills State Bank North Platte, NE · $383M
Questions about Cattle Bank and Trust
How big is Cattle Bank and Trust?
Cattle Bank and Trust, established in 1873, is headquartered in Seward, NE. It reported $422M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Cattle Bank and Trust's return on assets?
2.14% annualized in Q2 2026, against a 1.42% median for 52 NE banks with half to twice its assets, ahead of 92% of them.
What is Cattle Bank and Trust's efficiency ratio?
48.19% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 57.42%, and lower is better.
Is Cattle Bank and Trust growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits shrank 0.4%.
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.