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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Seward, NE · FDIC certificate #5472
CATTLE BANK&TRUST is an FDIC-insured institution based in Seward, NE (FDIC certificate #5472). In its Q3 2026 Call Report it reported total assets of $426M, total deposits of $357M and net loans of $325M. Its primary federal regulator is FDIC.
Plain-language readout
CATTLE BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $426M in Q3 2026 and were lowest at $416M in Q1 2026.
Total deposits were highest at $358M in Q1 2026 and lowest at $347M in Q2 2026.
Over the whole period total assets rose 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $426M | $357M | $325M | 2.18% | 18.94% | 3.96% |
| Q2 2026 | $422M | $347M | $318M | 2.14% | 18.56% | 3.91% |
| Q1 2026 | $416M | $358M | $308M | 2.08% | 18.23% | 3.86% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.3M | $7.7M | -$1.4M | -18.0% |
| Federal funds sold | $0K | $4.3M | -$4.3M | -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) | $79.8M | $78.1M | +$1.7M | +2.2% |
| Equity securities with readily determinable fair values, not held for trading | $162K | $129K | +$33K | +25.6% |
| Loans and leases held for sale | $220K | $0K | +$220K | n/a |
| Net loans and leases (after allowance) | $317.7M | $308.4M | +$9.3M | +3.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.6M | $8.6M | -$32K | -0.4% |
| 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 | $9.1M | $9.0M | +$131K | +1.5% |
| Total assets | $421.9M | $416.3M | +$5.6M | +1.4% |
| Liabilities | ||||
| Total deposits | $347.2M | $358.0M | -$10.8M | -3.0% |
| Federal funds purchased | $11K | $0K | +$11K | n/a |
| Securities sold under agreements to repurchase | $9.4M | $7.6M | +$1.8M | +23.9% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $12.7M | $0K | +$12.7M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.8M | $2.6M | +$203K | +7.9% |
| Total liabilities | $372.1M | $368.2M | +$3.9M | +1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $10.0M | $10.0M | $0K | 0.0% |
| Retained earnings | $44.1M | $42.8M | +$1.3M | +3.1% |
| Accumulated other comprehensive income | -$4.8M | -$5.2M | +$365K | +7.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $49.8M | $48.1M | +$1.7M | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $243K | $254K | -$11K | -4.3% |
| Adjusted nonperforming assets | $243K | $254K | -$11K | -4.3% |
| Tangible equity plus allowance | $53.9M | $52.2M | +$1.7M | +3.2% |
| Texas ratio (gross) | 0.45% | 0.49% | -0.04 pts | See points |
| Texas ratio (adjusted) | 0.45% | 0.49% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.45% | 0.49% | -0.04 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) | 12.87% | 12.59% | +0.28 pts | See points |
| Construction and land loans to total capital | 68.08% | 66.08% | +2.00 pts | See points |
| Commercial real estate to total capital | 169.16% | 172.51% | -3.35 pts | See points |
| Dividend payout, year to date | 42.16% | 41.17% | +0.99 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.78% | -9.68% | +0.90 pts | See points |
| Liquidity | ||||
| Core deposits | $311.2M | $321.6M | -$10.3M | -3.2% |
| Non-core funding | $58.1M | $44.0M | +$14.1M | +32.0% |
| Loans to core deposits | 103.40% | 97.18% | +6.22 pts | See points |
| Loans to deposits | 92.69% | 87.29% | +5.40 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 36.27% | 35.10% | +1.16 pts | See points |
| Loans pledged, share of loans | 26.58% | 27.25% | -0.67 pts | See points |
| Volatile liabilities | $58.1M | $44.0M | +$14.1M | +32.0% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $2.2M | +$2.3M | +103.6% |
| Earnings before provision, single quarter | $2.3M | $2.2M | +$81K | +3.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.45% | 6.36% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.56% | 3.41% | +0.16 pts | See points |
| Total interest income to average assets | 5.53% | 5.44% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 1.00% | 0.99% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.54% | 1.49% | +0.06 pts | See points |
| Cost of time deposits | 3.81% | 3.85% | -0.04 pts | See points |
| Total interest expense to average assets | 1.79% | 1.82% | -0.03 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 | $426M | $357M | $325M | 2.18% | 18.94% | 3.96% |
| 2026-06-30 | $422M | $347M | $318M | 2.14% | 18.56% | 3.91% |
| 2026-03-31 | $416M | $358M | $308M | 2.08% | 18.23% | 3.86% |
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 | $348.6M | 0.38% | 54 | 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.