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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Steinauer, NE · FDIC certificate #10635
BANK OF STEINAUER is an FDIC-insured institution based in Steinauer, NE (FDIC certificate #10635). In its Q3 2026 Call Report it reported total assets of $19M, total deposits of $17M and net loans of $14M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF STEINAUER has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $25M in Q1 2026 and were lowest at $19M in Q2 2026.
Total deposits were highest at $23M in Q1 2026 and lowest at $16M in Q2 2026.
Over the whole period total assets fell 23.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $19M | $17M | $14M | 0.97% | 10.67% | 4.92% |
| Q2 2026 | $19M | $16M | $13M | 1.08% | 12.23% | 5.00% |
| Q1 2026 | $25M | $23M | $11M | 0.94% | 11.34% | 4.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.8M | $10.6M | -$5.8M | -54.7% |
| Federal funds sold | $0K | $1.5M | -$1.5M | -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) | $500K | $1.1M | -$550K | -52.4% |
| 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) | $13.0M | $11.4M | +$1.5M | +13.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $123K | $126K | -$3K | -2.4% |
| 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 | $658K | $672K | -$14K | -2.1% |
| Total assets | $19.0M | $25.4M | -$6.3M | -25.0% |
| Liabilities | ||||
| Total deposits | $16.5M | $23.5M | -$7.0M | -29.8% |
| Federal funds purchased | $300K | $0K | +$300K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $300K | $0K | +$300K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $31K | $27K | +$4K | +14.8% |
| Total liabilities | $17.1M | $23.5M | -$6.4M | -27.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $40K | $40K | $0K | 0.0% |
| Surplus | $1.7M | $1.7M | $0K | 0.0% |
| Retained earnings | $223K | $161K | +$62K | +38.5% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $1.9M | $1.9M | +$62K | +3.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $2.0M | $1.9M | +$62K | +3.2% |
| 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 | 15.28% | 14.88% | +0.40 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.28% | 14.88% | +0.40 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.60% | 0.60% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.88% | 15.48% | +0.40 pts | See points |
| Tier 1 leverage (approximate) | 7.89% | 7.52% | +0.38 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.10% | 0.00% | -0.10 pts | See points |
| Liquidity | ||||
| Core deposits | $15.9M | $22.9M | -$7.0M | -30.6% |
| Non-core funding | $1.2M | $585K | +$606K | +103.6% |
| Loans to core deposits | 81.98% | 50.23% | +31.76 pts | See points |
| Loans to deposits | 79.04% | 48.98% | +30.07 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 100.00% | 52.38% | +47.62 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $1.2M | $585K | +$606K | +103.6% |
| Earnings | ||||
| Earnings before provision, year to date | $116K | $54K | +$62K | +114.8% |
| Earnings before provision, single quarter | $62K | $54K | +$8K | +14.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.90% | 6.88% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 4.16% | 3.66% | +0.51 pts | See points |
| Total interest income to average assets | 5.29% | 4.93% | +0.36 pts | See points |
| Cost of interest-bearing transaction accounts | 0.64% | 0.64% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.48% | 0.35% | +0.13 pts | See points |
| Cost of time deposits | 3.68% | 3.77% | -0.09 pts | See points |
| Total interest expense to average assets | 1.07% | 1.05% | +0.02 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 | $19M | $17M | $14M | 0.97% | 10.67% | 4.92% |
| 2026-06-30 | $19M | $16M | $13M | 1.08% | 12.23% | 5.00% |
| 2026-03-31 | $25M | $23M | $11M | 0.94% | 11.34% | 4.60% |
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 | $20.9M | 0.02% | 159 | Continuing · +0.01 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.