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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fordyce, NE · FDIC certificate #25591
CEDAR SECURITY BANK is an FDIC-insured institution based in Fordyce, NE (FDIC certificate #25591). In its Q3 2026 Call Report it reported total assets of $61M, total deposits of $48M and net loans of $36M. Its primary federal regulator is FDIC.
Plain-language readout
CEDAR SECURITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $62M in Q1 2026 and were lowest at $61M in Q3 2026.
Total deposits were highest at $49M in Q1 2026 and lowest at $48M in Q3 2026.
Over the whole period total assets fell 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $61M | $48M | $36M | 1.99% | 10.98% | 5.00% |
| Q2 2026 | $62M | $49M | $36M | 2.01% | 11.23% | 4.99% |
| Q1 2026 | $62M | $49M | $33M | 1.96% | 10.98% | 4.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.4M | $18.3M | -$4.9M | -26.8% |
| 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) | $10.7M | $9.4M | +$1.2M | +13.1% |
| 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) | $36.4M | $32.9M | +$3.5M | +10.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $244K | $233K | +$11K | +4.7% |
| 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 | $1.4M | $1.3M | +$18K | +1.3% |
| Total assets | $62.1M | $62.2M | -$166K | -0.3% |
| Liabilities | ||||
| Total deposits | $49.0M | $49.1M | -$146K | -0.3% |
| 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 | $1.4M | $1.4M | -$59K | -4.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $485K | $650K | -$165K | -25.4% |
| Total liabilities | $50.8M | $51.2M | -$370K | -0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $120K | $120K | $0K | 0.0% |
| Surplus | $1.5M | $1.5M | $0K | 0.0% |
| Retained earnings | $9.8M | $9.6M | +$220K | +2.3% |
| Accumulated other comprehensive income | -$148K | -$132K | -$16K | -12.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.3M | $11.1M | +$204K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $359K | $602K | -$243K | -40.4% |
| Adjusted nonperforming assets | $359K | $602K | -$243K | -40.4% |
| Tangible equity plus allowance | $12.1M | $11.9M | +$268K | +2.3% |
| Texas ratio (gross) | 2.96% | 5.08% | -2.12 pts | See points |
| Texas ratio (adjusted) | 2.96% | 5.08% | -2.12 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.96% | 5.08% | -2.12 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) | 18.04% | 18.20% | -0.16 pts | See points |
| Construction and land loans to total capital | 0.33% | 0.94% | -0.61 pts | See points |
| Commercial real estate to total capital | 7.87% | 8.28% | -0.41 pts | See points |
| Dividend payout, year to date | 16.13% | 0.00% | +16.13 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.63% | -1.49% | -0.14 pts | See points |
| Liquidity | ||||
| Core deposits | $46.7M | $46.9M | -$146K | -0.3% |
| Non-core funding | $3.6M | $3.6M | -$59K | -1.6% |
| Loans to core deposits | 79.64% | 71.84% | +7.80 pts | See points |
| Loans to deposits | 76.01% | 68.58% | +7.43 pts | See points |
| Brokered deposits share of deposits | 0.48% | 0.48% | +0.00 pts | See points |
| Pledged securities share of securities | 58.94% | 64.54% | -5.60 pts | See points |
| Loans pledged, share of loans | 11.40% | 12.60% | -1.20 pts | See points |
| Volatile liabilities | $3.6M | $3.6M | -$59K | -1.6% |
| Earnings | ||||
| Earnings before provision, year to date | $776K | $376K | +$400K | +106.4% |
| Earnings before provision, single quarter | $400K | $376K | +$24K | +6.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.50% | 6.80% | +0.70 pts | See points |
| Yield on interest-bearing balances due from banks | 3.90% | 4.44% | -0.54 pts | See points |
| Total interest income to average assets | 5.57% | 5.31% | +0.26 pts | See points |
| Cost of interest-bearing transaction accounts | 0.29% | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 0.58% | 0.45% | +0.13 pts | See points |
| Cost of time deposits | 2.73% | 2.78% | -0.05 pts | See points |
| Total interest expense to average assets | 0.85% | 0.84% | +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 | $61M | $48M | $36M | 1.99% | 10.98% | 5.00% |
| 2026-06-30 | $62M | $49M | $36M | 2.01% | 11.23% | 4.99% |
| 2026-03-31 | $62M | $49M | $33M | 1.96% | 10.98% | 4.83% |
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 | $47.9M | 0.05% | 141 | 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.