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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Henderson, NE · FDIC certificate #17229
HENDERSON STATE BANK is an FDIC-insured institution based in Henderson, NE (FDIC certificate #17229). In its Q3 2026 Call Report it reported total assets of $718M, total deposits of $490M and net loans of $590M. Its primary federal regulator is FDIC.
Plain-language readout
HENDERSON STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $718M in Q3 2026 and were lowest at $635M in Q1 2026.
Total deposits were highest at $511M in Q2 2026 and lowest at $479M in Q1 2026.
Over the whole period total assets rose 13.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $718M | $490M | $590M | 1.61% | 16.14% | 4.04% |
| Q2 2026 | $678M | $511M | $559M | 1.58% | 15.42% | 4.01% |
| Q1 2026 | $635M | $479M | $516M | 1.58% | 15.27% | 3.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.3M | $8.3M | -$2.0M | -24.2% |
| 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) | $84.2M | $83.7M | +$499K | +0.6% |
| Equity securities with readily determinable fair values, not held for trading | $302K | $341K | -$39K | -11.4% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $558.6M | $515.5M | +$43.1M | +8.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.8M | $9.8M | +$7K | +0.1% |
| Other real estate owned | $210K | $0K | +$210K | 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) | $2.1M | $2.2M | -$56K | -2.6% |
| All other assets | $17.0M | $14.8M | +$2.2M | +14.6% |
| Total assets | $678.5M | $634.6M | +$43.8M | +6.9% |
| Liabilities | ||||
| Total deposits | $510.7M | $479.2M | +$31.5M | +6.6% |
| 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 | $97.7M | $86.2M | +$11.5M | +13.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.0M | $2.6M | -$557K | -21.4% |
| Total liabilities | $610.5M | $568.0M | +$42.5M | +7.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $48.4M | $48.4M | $0K | 0.0% |
| Retained earnings | $22.1M | $20.4M | +$1.7M | +8.2% |
| Accumulated other comprehensive income | -$2.8M | -$2.5M | -$284K | -11.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $68.0M | $66.6M | +$1.4M | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $817K | +$931K | +114.0% |
| Adjusted nonperforming assets | $1.7M | $793K | +$955K | +120.4% |
| Tangible equity plus allowance | $70.0M | $68.2M | +$1.8M | +2.7% |
| Texas ratio (gross) | 2.50% | 1.20% | +1.30 pts | See points |
| Texas ratio (adjusted) | 2.50% | 1.16% | +1.33 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.50% | 2.19% | +1.31 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) | 10.41% | 10.57% | -0.16 pts | See points |
| Construction and land loans to total capital | 2.49% | 1.40% | +1.09 pts | See points |
| Commercial real estate to total capital | 112.17% | 105.00% | +7.17 pts | See points |
| Dividend payout, year to date | 37.15% | 38.04% | -0.90 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.14% | -4.73% | -0.40 pts | See points |
| Liquidity | ||||
| Core deposits | $290.8M | $285.9M | +$4.9M | +1.7% |
| Non-core funding | $317.6M | $279.5M | +$38.2M | +13.7% |
| Loans to core deposits | 193.53% | 181.61% | +11.92 pts | See points |
| Loans to deposits | 110.19% | 108.36% | +1.82 pts | See points |
| Brokered deposits share of deposits | 25.86% | 21.07% | +4.79 pts | See points |
| Pledged securities share of securities | 29.18% | 24.04% | +5.14 pts | See points |
| Loans pledged, share of loans | 45.55% | 50.89% | -5.33 pts | See points |
| Volatile liabilities | $317.6M | $279.5M | +$38.2M | +13.7% |
| Earnings | ||||
| Earnings before provision, year to date | $7.2M | $3.5M | +$3.7M | +105.5% |
| Earnings before provision, single quarter | $3.7M | $3.5M | +$192K | +5.5% |
| Provision for credit losses, year to date | $685K | $296K | +$389K | +131.4% |
| Yield and cost | ||||
| Yield on loans and leases | 7.26% | 7.14% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 6.50% | 6.37% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 1.08% | 1.03% | +0.05 pts | See points |
| Cost of savings and money market deposits | 2.14% | 1.91% | +0.22 pts | See points |
| Cost of time deposits | 3.87% | 3.88% | -0.01 pts | See points |
| Total interest expense to average assets | 2.66% | 2.63% | +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 | $718M | $490M | $590M | 1.61% | 16.14% | 4.04% |
| 2026-06-30 | $678M | $511M | $559M | 1.58% | 15.42% | 4.01% |
| 2026-03-31 | $635M | $479M | $516M | 1.58% | 15.27% | 3.97% |
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 | $432.6M | 0.47% | 41 | Continuing · +0.17 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.