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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Unadilla, NE · FDIC certificate #1438
COUNTRYSIDE BANK is an FDIC-insured institution based in Unadilla, NE (FDIC certificate #1438). In its Q3 2026 Call Report it reported total assets of $119M, total deposits of $97M and net loans of $68M. Its primary federal regulator is FDIC.
Plain-language readout
COUNTRYSIDE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $121M in Q1 2026 and were lowest at $119M in Q3 2026.
Total deposits were highest at $99M in Q1 2026 and lowest at $97M in Q2 2026.
Over the whole period total assets fell 1.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $119M | $97M | $68M | 1.23% | 8.20% | 3.51% |
| Q2 2026 | $119M | $97M | $67M | 1.35% | 9.03% | 3.46% |
| Q1 2026 | $121M | $99M | $65M | 1.46% | 9.81% | 3.41% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.4M | $20.3M | -$2.9M | -14.4% |
| Federal funds sold | $300K | $250K | +$50K | +20.0% |
| 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) | $28.0M | $29.1M | -$1.1M | -3.8% |
| 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) | $67.2M | $65.5M | +$1.8M | +2.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $293K | $271K | +$22K | +8.1% |
| 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) | $130K | $130K | $0K | 0.0% |
| All other assets | $5.2M | $5.2M | +$89K | +1.7% |
| Total assets | $118.5M | $120.7M | -$2.1M | -1.8% |
| Liabilities | ||||
| Total deposits | $96.7M | $99.2M | -$2.5M | -2.5% |
| 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 | $2.8M | $2.8M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $980K | $945K | +$35K | +3.7% |
| Total liabilities | $100.5M | $102.9M | -$2.5M | -2.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $775K | $775K | $0K | 0.0% |
| Retained earnings | $17.3M | $16.9M | +$370K | +2.2% |
| Accumulated other comprehensive income | -$266K | -$238K | -$28K | -11.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.0M | $17.7M | +$342K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $240K | $287K | -$47K | -16.4% |
| Adjusted nonperforming assets | $240K | $287K | -$47K | -16.4% |
| Tangible equity plus allowance | $18.6M | $18.3M | +$331K | +1.8% |
| Texas ratio (gross) | 1.29% | 1.57% | -0.28 pts | See points |
| Texas ratio (adjusted) | 1.29% | 1.57% | -0.28 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.29% | 1.57% | -0.28 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) | 15.20% | 14.81% | +0.38 pts | See points |
| Construction and land loans to total capital | 8.96% | 14.45% | -5.49 pts | See points |
| Commercial real estate to total capital | 18.45% | 24.92% | -6.47 pts | See points |
| Dividend payout, year to date | 31.13% | 57.74% | -26.60 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.85% | -1.70% | -0.16 pts | See points |
| Liquidity | ||||
| Core deposits | $92.0M | $94.8M | -$2.8M | -2.9% |
| Non-core funding | $7.5M | $7.2M | +$292K | +4.1% |
| Loans to core deposits | 73.78% | 69.77% | +4.01 pts | See points |
| Loans to deposits | 70.21% | 66.68% | +3.53 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 19.09% | 17.44% | +1.65 pts | See points |
| Loans pledged, share of loans | 45.85% | 45.76% | +0.09 pts | See points |
| Volatile liabilities | $7.5M | $7.2M | +$292K | +4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $869K | $426K | +$443K | +104.0% |
| Earnings before provision, single quarter | $443K | $426K | +$17K | +4.0% |
| Provision for credit losses, year to date | -$14K | -$7K | -$7K | -100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.18% | 6.16% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 3.45% | 3.51% | -0.06 pts | See points |
| Total interest income to average assets | 4.72% | 4.58% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 0.33% | 0.37% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.37% | 1.36% | +0.02 pts | See points |
| Cost of time deposits | 3.60% | 3.52% | +0.07 pts | See points |
| Total interest expense to average assets | 1.44% | 1.41% | +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 | $119M | $97M | $68M | 1.23% | 8.20% | 3.51% |
| 2026-06-30 | $119M | $97M | $67M | 1.35% | 9.03% | 3.46% |
| 2026-03-31 | $121M | $99M | $65M | 1.46% | 9.81% | 3.41% |
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 | $95.1M | 0.10% | 111 | 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.