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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elgin, NE · FDIC certificate #16154
BANK OF ELGIN is an FDIC-insured institution based in Elgin, NE (FDIC certificate #16154). In its Q3 2026 Call Report it reported total assets of $86M, total deposits of $70M and net loans of $62M. Its primary federal regulator is FED.
Plain-language readout
BANK OF ELGIN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $87M in Q2 2026 and were lowest at $84M in Q1 2026.
Total deposits were highest at $75M in Q2 2026 and lowest at $70M in Q3 2026.
Over the whole period total assets rose 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $86M | $70M | $62M | 2.52% | 18.03% | 4.46% |
| Q2 2026 | $87M | $75M | $57M | 2.34% | 16.82% | 4.37% |
| Q1 2026 | $84M | $72M | $55M | 2.12% | 15.14% | 4.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.3M | $10.4M | -$149K | -1.4% |
| Federal funds sold | $0K | $517K | -$517K | -100.0% |
| 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) | $16.4M | $15.0M | +$1.4M | +9.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $57.3M | $55.1M | +$2.2M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $152K | $146K | +$6K | +4.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $184K | $117K | +$67K | +57.3% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $583K | $583K | $0K | 0.0% |
| All other assets | $2.4M | $2.0M | +$345K | +17.1% |
| Total assets | $87.3M | $84.0M | +$3.3M | +4.0% |
| Liabilities | ||||
| Total deposits | $74.7M | $72.2M | +$2.5M | +3.4% |
| 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 | $150K | $0K | +$150K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $385K | $292K | +$93K | +31.8% |
| Total liabilities | $75.2M | $72.5M | +$2.7M | +3.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $10.7M | $10.7M | $0K | 0.0% |
| Retained earnings | $1.1M | $579K | +$555K | +95.9% |
| Accumulated other comprehensive income | -$84K | -$122K | +$38K | +31.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $12.1M | $11.5M | +$593K | +5.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $12.2M | $11.7M | +$593K | +5.1% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.54% | 13.49% | +0.04 pts | See points |
| Construction and land loans to total capital | 24.74% | 30.31% | -5.56 pts | See points |
| Commercial real estate to total capital | 26.57% | 31.77% | -5.20 pts | See points |
| Dividend payout, year to date | 117.99% | 263.19% | -145.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.71% | -1.10% | +0.39 pts | See points |
| Liquidity | ||||
| Core deposits | $69.1M | $65.9M | +$3.2M | +4.8% |
| Non-core funding | $5.7M | $6.3M | -$551K | -8.8% |
| Loans to core deposits | 84.05% | 84.84% | -0.78 pts | See points |
| Loans to deposits | 77.76% | 77.44% | +0.32 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 73.33% | 72.65% | +0.68 pts | See points |
| Loans pledged, share of loans | 10.26% | 15.69% | -5.43 pts | See points |
| Volatile liabilities | $5.7M | $6.3M | -$551K | -8.8% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $481K | +$555K | +115.4% |
| Earnings before provision, single quarter | $555K | $481K | +$74K | +15.4% |
| Provision for credit losses, year to date | $30K | $30K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.52% | 6.45% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.88% | 3.88% | -0.00 pts | See points |
| Total interest income to average assets | 5.50% | 5.38% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.32% | 0.29% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.22% | 1.24% | -0.02 pts | See points |
| Cost of time deposits | 3.42% | 3.50% | -0.08 pts | See points |
| Total interest expense to average assets | 1.21% | 1.21% | -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 | $86M | $70M | $62M | 2.52% | 18.03% | 4.46% |
| 2026-06-30 | $87M | $75M | $57M | 2.34% | 16.82% | 4.37% |
| 2026-03-31 | $84M | $72M | $55M | 2.12% | 15.14% | 4.25% |
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 | $65.8M | 0.07% | 121 | 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.