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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cedar Rapids, NE · FDIC certificate #18820
CEDAR RAPIDS STATE BANK is an FDIC-insured institution based in Cedar Rapids, NE (FDIC certificate #18820). In its Q3 2026 Call Report it reported total assets of $181M, total deposits of $158M and net loans of $152M. Its primary federal regulator is FDIC.
Plain-language readout
CEDAR RAPIDS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $181M in Q3 2026 and were lowest at $173M in Q1 2026.
Total deposits were highest at $158M in Q3 2026 and lowest at $156M in Q1 2026.
Over the whole period total assets rose 4.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $181M | $158M | $152M | 1.09% | 11.68% | 3.54% |
| Q2 2026 | $175M | $157M | $145M | 1.10% | 11.63% | 3.52% |
| Q1 2026 | $173M | $156M | $140M | 1.30% | 13.70% | 3.51% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.1M | $6.2M | -$3.1M | -49.9% |
| Federal funds sold | $0K | $0K | $0K | 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) | $19.1M | $19.4M | -$327K | -1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $1.0M | -$1.0M | -100.0% |
| Net loans and leases (after allowance) | $145.2M | $139.3M | +$5.9M | +4.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.9M | $2.9M | -$4K | -0.1% |
| 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 | $4.6M | $4.2M | +$413K | +9.9% |
| Total assets | $174.9M | $173.1M | +$1.8M | +1.0% |
| Liabilities | ||||
| Total deposits | $157.4M | $156.2M | +$1.3M | +0.8% |
| 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 | $500K | $0K | +$500K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $466K | $446K | +$20K | +4.5% |
| Total liabilities | $158.4M | $156.6M | +$1.8M | +1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $14.9M | $14.9M | $0K | 0.0% |
| Retained earnings | $1.6M | $1.5M | +$96K | +6.2% |
| Accumulated other comprehensive income | -$108K | -$36K | -$72K | -200.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.5M | $16.5M | +$24K | +0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.5M | $672K | +$1.9M | +276.5% |
| Adjusted nonperforming assets | $2.5M | $672K | +$1.9M | +276.5% |
| Tangible equity plus allowance | $17.8M | $17.5M | +$264K | +1.5% |
| Texas ratio (gross) | 14.21% | 3.83% | +10.38 pts | See points |
| Texas ratio (adjusted) | 14.21% | 3.83% | +10.38 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.21% | 3.83% | +10.38 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.48% | 12.92% | -0.44 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.48% | 12.92% | -0.44 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.03% | 0.87% | +0.16 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.51% | 13.79% | -0.28 pts | See points |
| Tier 1 leverage (approximate) | 9.56% | 9.41% | +0.15 pts | See points |
| Construction and land loans to total capital | 28.06% | 44.02% | -15.97 pts | See points |
| Commercial real estate to total capital | 222.13% | 179.77% | +42.35 pts | See points |
| Dividend payout, year to date | 78.04% | 79.51% | -1.46 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.70% | -0.29% | -0.41 pts | See points |
| Liquidity | ||||
| Core deposits | $116.8M | $88.1M | +$28.6M | +32.5% |
| Non-core funding | $41.2M | $68.0M | -$26.9M | -39.5% |
| Loans to core deposits | 125.43% | 159.23% | -33.80 pts | See points |
| Loans to deposits | 93.02% | 89.86% | +3.16 pts | See points |
| Brokered deposits share of deposits | 20.05% | 37.81% | -17.77 pts | See points |
| Pledged securities share of securities | 38.98% | 28.10% | +10.88 pts | See points |
| Loans pledged, share of loans | 34.24% | 31.68% | +2.57 pts | See points |
| Volatile liabilities | $49.9M | $75.5M | -$25.6M | -33.9% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $673K | +$683K | +101.5% |
| Earnings before provision, single quarter | $683K | $673K | +$10K | +1.5% |
| Provision for credit losses, year to date | $323K | $60K | +$263K | +438.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.68% | 6.57% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.80% | 4.80% | 0.00 pts | See points |
| Total interest income to average assets | 6.00% | 5.91% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 3.25% | 3.07% | +0.19 pts | See points |
| Cost of savings and money market deposits | 3.05% | 3.05% | +0.00 pts | See points |
| Cost of time deposits | 3.32% | 3.38% | -0.06 pts | See points |
| Total interest expense to average assets | 2.62% | 2.59% | +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 | $181M | $158M | $152M | 1.09% | 11.68% | 3.54% |
| 2026-06-30 | $175M | $157M | $145M | 1.10% | 11.63% | 3.52% |
| 2026-03-31 | $173M | $156M | $140M | 1.30% | 13.70% | 3.51% |
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 | $154.6M | 0.17% | 90 | 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.