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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Broken Bow, NE · FDIC certificate #28543
CUSTER FEDERAL STATE BANK is an FDIC-insured institution based in Broken Bow, NE (FDIC certificate #28543). In its Q3 2026 Call Report it reported total assets of $120M, total deposits of $95M and net loans of $84M. Its primary federal regulator is FDIC.
Plain-language readout
CUSTER FEDERAL STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $125M in Q1 2026 and were lowest at $120M in Q3 2026.
Total deposits were highest at $99M in Q1 2026 and lowest at $95M in Q3 2026.
Over the whole period total assets fell 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $120M | $95M | $84M | 1.18% | 10.38% | 3.82% |
| Q2 2026 | $121M | $96M | $83M | 1.10% | 9.81% | 3.74% |
| Q1 2026 | $125M | $99M | $78M | 1.02% | 9.14% | 3.58% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.9M | $9.8M | -$6.9M | -70.3% |
| 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) | $27.1M | $29.6M | -$2.4M | -8.2% |
| 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) | $82.7M | $77.9M | +$4.8M | +6.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $2.3M | -$37K | -1.6% |
| 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) | $63K | $81K | -$18K | -22.2% |
| All other assets | $5.7M | $5.3M | +$411K | +7.8% |
| Total assets | $120.7M | $124.9M | -$4.2M | -3.3% |
| Liabilities | ||||
| Total deposits | $95.7M | $99.1M | -$3.4M | -3.4% |
| 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 | $10.5M | $11.2M | -$667K | -6.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $583K | $679K | -$96K | -14.1% |
| Total liabilities | $106.8M | $110.9M | -$4.1M | -3.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $201K | $202K | -$1K | -0.5% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $6.8M | $6.8M | +$45K | +0.7% |
| Accumulated other comprehensive income | -$930K | -$846K | -$84K | -9.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $13.9M | $14.0M | -$40K | -0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $14.7M | $14.6M | +$22K | +0.2% |
| 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 | 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) | 11.99% | 11.78% | +0.21 pts | See points |
| Construction and land loans to total capital | 4.55% | 2.72% | +1.83 pts | See points |
| Commercial real estate to total capital | 15.80% | 6.63% | +9.17 pts | See points |
| Dividend payout, year to date | 94.44% | 102.51% | -8.06 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.16% | -5.51% | -0.65 pts | See points |
| Liquidity | ||||
| Core deposits | $89.1M | $93.0M | -$3.9M | -4.2% |
| Non-core funding | $17.1M | $17.2M | -$93K | -0.5% |
| Loans to core deposits | 93.70% | 84.51% | +9.19 pts | See points |
| Loans to deposits | 87.22% | 79.36% | +7.86 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | +0.00 pts | See points |
| Pledged securities share of securities | 70.23% | 70.85% | -0.62 pts | See points |
| Loans pledged, share of loans | 4.67% | 5.08% | -0.40 pts | See points |
| Volatile liabilities | $18.2M | $18.3M | -$93K | -0.5% |
| Earnings | ||||
| Earnings before provision, year to date | $751K | $332K | +$419K | +126.2% |
| Earnings before provision, single quarter | $419K | $332K | +$87K | +26.2% |
| Provision for credit losses, year to date | $45K | $2K | +$43K | +2150.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.56% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.59% | +0.07 pts | See points |
| Total interest income to average assets | 5.38% | 5.15% | +0.23 pts | See points |
| Cost of interest-bearing transaction accounts | 0.29% | 0.29% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.07% | 1.08% | -0.01 pts | See points |
| Cost of time deposits | 3.55% | 3.59% | -0.04 pts | See points |
| Total interest expense to average assets | 1.83% | 1.85% | -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 | $120M | $95M | $84M | 1.18% | 10.38% | 3.82% |
| 2026-06-30 | $121M | $96M | $83M | 1.10% | 9.81% | 3.74% |
| 2026-03-31 | $125M | $99M | $78M | 1.02% | 9.14% | 3.58% |
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 | $94.3M | 0.10% | 112 | 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.