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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hershey, NE · FDIC certificate #19809
HERSHEY BANK is an FDIC-insured institution based in Hershey, NE (FDIC certificate #19809). In its Q3 2026 Call Report it reported total assets of $154M, total deposits of $111M and net loans of $130M. Its primary federal regulator is FDIC.
Plain-language readout
HERSHEY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $154M in Q3 2026 and were lowest at $139M in Q1 2026.
Total deposits were highest at $111M in Q3 2026 and lowest at $105M in Q1 2026.
Over the whole period total assets rose 10.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $154M | $111M | $130M | 1.25% | 10.17% | 3.99% |
| Q2 2026 | $141M | $109M | $120M | 1.20% | 9.72% | 3.97% |
| Q1 2026 | $139M | $105M | $112M | 1.18% | 9.97% | 3.88% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.3M | $12.5M | -$6.2M | -49.8% |
| 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) | $6.2M | $7.1M | -$882K | -12.5% |
| Equity securities with readily determinable fair values, not held for trading | $7K | $6K | +$1K | +16.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $120.2M | $112.1M | +$8.1M | +7.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.5M | $2.3M | +$2.2M | +97.1% |
| Other real estate owned | $128K | $0K | +$128K | 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) | $920K | $937K | -$17K | -1.8% |
| All other assets | $2.9M | $3.8M | -$944K | -24.6% |
| Total assets | $141.1M | $138.7M | +$2.4M | +1.7% |
| Liabilities | ||||
| Total deposits | $109.0M | $105.2M | +$3.8M | +3.6% |
| 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 | $12.9M | $16.9M | -$4.0M | -23.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $416K | $376K | +$40K | +10.6% |
| Total liabilities | $122.4M | $122.5M | -$138K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $13.3M | $11.2M | +$2.1M | +18.9% |
| Retained earnings | $5.4M | $4.9M | +$426K | +8.6% |
| Accumulated other comprehensive income | -$3K | -$5K | +$2K | +40.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.8M | $16.2M | +$2.5M | +15.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $1.6M | -$12K | -0.7% |
| Adjusted nonperforming assets | $1.1M | $1.1M | -$12K | -1.1% |
| Tangible equity plus allowance | $19.5M | $17.0M | +$2.6M | +15.2% |
| Texas ratio (gross) | 8.26% | 9.59% | -1.33 pts | See points |
| Texas ratio (adjusted) | 5.67% | 6.60% | -0.93 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.67% | 6.60% | -0.93 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) | 13.24% | 11.28% | +1.96 pts | See points |
| Construction and land loans to total capital | 7.41% | 7.32% | +0.09 pts | See points |
| Commercial real estate to total capital | 93.41% | 92.90% | +0.51 pts | See points |
| Dividend payout, year to date | 89.71% | 183.37% | -93.66 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.88% | -1.10% | +0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $89.9M | $87.3M | +$2.6M | +3.0% |
| Non-core funding | $32.0M | $34.8M | -$2.8M | -7.9% |
| Loans to core deposits | 135.60% | 130.27% | +5.33 pts | See points |
| Loans to deposits | 111.81% | 108.11% | +3.70 pts | See points |
| Brokered deposits share of deposits | 8.43% | 8.26% | +0.17 pts | See points |
| Pledged securities share of securities | 29.80% | 29.50% | +0.29 pts | See points |
| Loans pledged, share of loans | 30.73% | 31.24% | -0.51 pts | See points |
| Volatile liabilities | $39.4M | $45.4M | -$6.0M | -13.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.1M | $545K | +$595K | +109.2% |
| Earnings before provision, single quarter | $595K | $545K | +$50K | +9.2% |
| Provision for credit losses, year to date | $50K | $21K | +$29K | +138.1% |
| Yield and cost | ||||
| Yield on loans and leases | 6.68% | 6.47% | +0.21 pts | See points |
| Yield on interest-bearing balances due from banks | 3.61% | 3.51% | +0.10 pts | See points |
| Total interest income to average assets | 5.98% | 5.89% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 2.11% | 2.14% | -0.03 pts | See points |
| Cost of savings and money market deposits | 2.08% | 1.72% | +0.35 pts | See points |
| Cost of time deposits | 3.41% | 3.47% | -0.06 pts | See points |
| Total interest expense to average assets | 2.11% | 2.21% | -0.11 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 | $154M | $111M | $130M | 1.25% | 10.17% | 3.99% |
| 2026-06-30 | $141M | $109M | $120M | 1.20% | 9.72% | 3.97% |
| 2026-03-31 | $139M | $105M | $112M | 1.18% | 9.97% | 3.88% |
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 | $92.4M | 0.10% | 113 | 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.