Nebraska State Bank: how it compares with its peers
Against 42 NE banks with half to twice its assets, Nebraska State Bank's strongest measure in Q2 2026 is return on assets (4.34% vs. a 1.26% peer median). Its weakest relative measure is net interest margin (4.93% vs. 3.74%).
| Measure | Nebraska State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 4.34% | 1.26% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 3.74% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 33.42% | 63.89% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $7.9M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.21% | 76.54% | Context |
What it means for lending operations
Its efficiency ratio of 33.42% is better than the 63.89% 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 State Bank Republican City, NE · $76M
- Battle Creek State Bank Battle Creek, NE · $71M
- First Bank of Utica Utica, NE · $77M
- Genoa Community Bank Genoa, NE · $70M
- Adams State Bank Adams, NE · $70M
- First Tri County Bank Swanton, NE · $78M
Questions about Nebraska State Bank
How big is Nebraska State Bank?
Nebraska State Bank, established in 1921, is headquartered in Oshkosh, NE. It reported $74M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Nebraska State Bank's return on assets?
4.34% annualized in Q2 2026, against a 1.26% median for 42 NE banks with half to twice its assets, ahead of 100% of them.
What is Nebraska State Bank's efficiency ratio?
33.42% in Q2 2026: it spent about 33 cents in noninterest expense for each dollar of revenue. The peer median is 63.89%, and lower is better.
Is Nebraska State Bank growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits grew 9.6%.
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.