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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ponca, NE · FDIC certificate #14912
BANK OF DIXON COUNTY is an FDIC-insured institution based in Ponca, NE (FDIC certificate #14912). In its Q3 2026 Call Report it reported total assets of $137M, total deposits of $117M and net loans of $96M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF DIXON COUNTY has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $142M in Q2 2026 and were lowest at $137M in Q3 2026.
Total deposits were highest at $122M in Q2 2026 and lowest at $117M in Q3 2026.
Over the whole period total assets fell 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $137M | $117M | $96M | 1.61% | 12.00% | 4.14% |
| Q2 2026 | $142M | $122M | $95M | 1.64% | 12.39% | 4.10% |
| Q1 2026 | $139M | $120M | $89M | 1.37% | 10.30% | 3.95% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.3M | $24.6M | -$7.3M | -29.8% |
| Federal funds sold | $4.9M | $0K | +$4.9M | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $21.6M | $22.9M | -$1.3M | -5.7% |
| Equity securities with readily determinable fair values, not held for trading | $74K | $56K | +$18K | +32.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $94.6M | $88.8M | +$5.9M | +6.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.6M | $1.6M | -$22K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.7M | $1.6M | +$108K | +6.8% |
| Total assets | $141.7M | $139.5M | +$2.2M | +1.6% |
| Liabilities | ||||
| Total deposits | $121.6M | $119.8M | +$1.8M | +1.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $782K | $797K | -$15K | -1.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $558K | $596K | -$38K | -6.4% |
| Total liabilities | $123.0M | $121.2M | +$1.8M | +1.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $240K | $240K | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $17.2M | $16.8M | +$368K | +2.2% |
| Accumulated other comprehensive income | -$684K | -$799K | +$115K | +14.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.8M | $18.3M | +$483K | +2.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.9M | $1.8M | +$176K | +9.9% |
| Adjusted nonperforming assets | $1.9M | $1.8M | +$176K | +9.9% |
| Tangible equity plus allowance | $19.8M | $19.4M | +$487K | +2.5% |
| Texas ratio (gross) | 9.82% | 9.16% | +0.66 pts | See points |
| Texas ratio (adjusted) | 9.82% | 9.16% | +0.66 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 21.22% | 22.46% | -1.24 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 21.22% | 22.46% | -1.24 pts | See points |
| Tier 2 capital to risk-weighted assets | 2.38% | 1.25% | +1.13 pts | See points |
| Total risk-based capital to risk-weighted assets | 23.60% | 23.71% | -0.11 pts | See points |
| Tier 1 leverage (approximate) | 13.29% | 13.81% | -0.52 pts | See points |
| Construction and land loans to total capital | 9.70% | 9.66% | +0.04 pts | See points |
| Commercial real estate to total capital | 18.07% | 18.74% | -0.67 pts | See points |
| Dividend payout, year to date | 26.48% | 0.00% | +26.48 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.79% | -5.50% | +0.71 pts | See points |
| Liquidity | ||||
| Core deposits | $110.6M | $109.3M | +$1.3M | +1.2% |
| Non-core funding | $11.8M | $11.3M | +$496K | +4.4% |
| Loans to core deposits | 86.52% | 82.16% | +4.35 pts | See points |
| Loans to deposits | 78.70% | 74.98% | +3.72 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 93.61% | 98.96% | -5.35 pts | See points |
| Loans pledged, share of loans | 44.60% | 46.82% | -2.22 pts | See points |
| Volatile liabilities | $11.8M | $11.3M | +$496K | +4.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $600K | +$825K | +137.5% |
| Earnings before provision, single quarter | $825K | $600K | +$225K | +37.5% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 7.01% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.83% | 3.47% | +0.36 pts | See points |
| Total interest income to average assets | 5.51% | 5.35% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.99% | 0.81% | +0.18 pts | See points |
| Cost of savings and money market deposits | 1.65% | 1.63% | +0.02 pts | See points |
| Cost of time deposits | 3.81% | 3.84% | -0.03 pts | See points |
| Total interest expense to average assets | 1.64% | 1.64% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $137M | $117M | $96M | 1.61% | 12.00% | 4.14% |
| 2026-06-30 | $142M | $122M | $95M | 1.64% | 12.39% | 4.10% |
| 2026-03-31 | $139M | $120M | $89M | 1.37% | 10.30% | 3.95% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $110.3M | 0.12% | 107 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.