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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Prague, NE · FDIC certificate #12745
BANK OF PRAGUE is an FDIC-insured institution based in Prague, NE (FDIC certificate #12745). In its Q3 2026 Call Report it reported total assets of $47M, total deposits of $42M and net loans of $36M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF PRAGUE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $49M in Q1 2026 and were lowest at $47M in Q3 2026.
Total deposits were highest at $43M in Q2 2026 and lowest at $42M in Q3 2026.
Over the whole period total assets fell 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $47M | $42M | $36M | 2.87% | 25.06% | 4.99% |
| Q2 2026 | $48M | $43M | $34M | 2.30% | 20.10% | 4.92% |
| Q1 2026 | $49M | $43M | $33M | 3.55% | 30.34% | 4.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.6M | $9.0M | -$2.5M | -27.4% |
| Federal funds sold | $100K | $0K | +$100K | 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) | $6.5M | $6.2M | +$370K | +6.0% |
| 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) | $34.4M | $32.8M | +$1.6M | +5.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8K | $8K | $0K | 0.0% |
| 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) | $15K | $15K | $0K | 0.0% |
| All other assets | $839K | $603K | +$236K | +39.1% |
| Total assets | $48.5M | $48.6M | -$126K | -0.3% |
| Liabilities | ||||
| Total deposits | $43.0M | $42.9M | +$75K | +0.2% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $144K | $140K | +$4K | +2.9% |
| Total liabilities | $43.1M | $43.0M | +$79K | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $1.1M | $1.1M | $0K | 0.0% |
| Retained earnings | $4.2M | $4.5M | -$241K | -5.4% |
| Accumulated other comprehensive income | -$113K | -$149K | +$36K | +24.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $5.3M | $5.5M | -$205K | -3.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $423K | $239K | +$184K | +77.0% |
| Adjusted nonperforming assets | $423K | $239K | +$184K | +77.0% |
| Tangible equity plus allowance | $5.7M | $5.9M | -$204K | -3.5% |
| Texas ratio (gross) | 7.48% | 4.08% | +3.40 pts | See points |
| Texas ratio (adjusted) | 7.48% | 4.08% | +3.40 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 7.48% | 4.08% | +3.40 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) | 11.15% | 11.78% | -0.63 pts | See points |
| Construction and land loans to total capital | 12.25% | 10.51% | +1.74 pts | See points |
| Commercial real estate to total capital | 12.25% | 10.51% | +1.74 pts | See points |
| Dividend payout, year to date | 123.58% | 73.38% | +50.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.08% | -2.63% | +0.55 pts | See points |
| Liquidity | ||||
| Core deposits | $41.8M | $42.0M | -$191K | -0.5% |
| Non-core funding | $1.2M | $937K | +$266K | +28.4% |
| Loans to core deposits | 83.14% | 78.84% | +4.29 pts | See points |
| Loans to deposits | 80.81% | 77.12% | +3.69 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 22.02% | 23.24% | -1.22 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $1.2M | $937K | +$266K | +28.4% |
| Earnings | ||||
| Earnings before provision, year to date | $547K | $417K | +$130K | +31.2% |
| Earnings before provision, single quarter | $130K | $417K | -$287K | -68.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.98% | 8.02% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.58% | 3.58% | -0.00 pts | See points |
| Total interest income to average assets | 6.49% | 6.36% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.70% | 0.92% | -0.22 pts | See points |
| Cost of savings and money market deposits | 2.05% | 2.04% | +0.01 pts | See points |
| Cost of time deposits | 3.76% | 3.76% | +0.00 pts | See points |
| Total interest expense to average assets | 1.77% | 1.79% | -0.01 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 | $47M | $42M | $36M | 2.87% | 25.06% | 4.99% |
| 2026-06-30 | $48M | $43M | $34M | 2.30% | 20.10% | 4.92% |
| 2026-03-31 | $49M | $43M | $33M | 3.55% | 30.34% | 4.86% |
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 | $38M | 0.04% | 147 | 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.