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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lincoln, NE · FDIC certificate #58724
NEBRASKA BANK OF COMMERCE is an FDIC-insured institution based in Lincoln, NE (FDIC certificate #58724). In its Q3 2026 Call Report it reported total assets of $252M, total deposits of $208M and net loans of $222M. Its primary federal regulator is FDIC.
Plain-language readout
NEBRASKA BANK OF COMMERCE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $252M in Q3 2026 and were lowest at $239M in Q1 2026.
Total deposits were highest at $208M in Q3 2026 and lowest at $200M in Q1 2026.
Over the whole period total assets rose 5.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $252M | $208M | $222M | 1.09% | 11.45% | 3.46% |
| Q2 2026 | $241M | $205M | $213M | 1.08% | 11.25% | 3.47% |
| Q1 2026 | $239M | $200M | $212M | 0.83% | 8.70% | 3.19% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.9M | $16.4M | +$1.5M | +9.3% |
| 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) | $7.5M | $7.7M | -$218K | -2.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $298K | $576K | -$278K | -48.3% |
| Net loans and leases (after allowance) | $212.3M | $211.0M | +$1.3M | +0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $866K | $906K | -$40K | -4.4% |
| 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 | $2.4M | $2.2M | +$189K | +8.7% |
| Total assets | $241.2M | $238.7M | +$2.5M | +1.0% |
| Liabilities | ||||
| Total deposits | $204.9M | $199.8M | +$5.1M | +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 | $10.5M | $14.0M | -$3.5M | -25.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $2.4M | +$176K | +7.2% |
| Total liabilities | $218.0M | $216.3M | +$1.7M | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $659K | $659K | $0K | 0.0% |
| Surplus | $20.7M | $20.7M | $0K | 0.0% |
| Retained earnings | $1.7M | $915K | +$780K | +85.2% |
| Accumulated other comprehensive income | $141K | $156K | -$15K | -9.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.2M | $22.4M | +$765K | +3.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $717K | $437K | +$280K | +64.1% |
| Adjusted nonperforming assets | $717K | $437K | +$280K | +64.1% |
| Tangible equity plus allowance | $25.9M | $25.1M | +$781K | +3.1% |
| Texas ratio (gross) | 2.77% | 1.74% | +1.03 pts | See points |
| Texas ratio (adjusted) | 2.77% | 1.74% | +1.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 11.86% | 11.51% | +0.35 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.86% | 11.51% | +0.35 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.12% | 12.76% | +0.35 pts | See points |
| Tier 1 leverage (approximate) | 9.56% | 9.51% | +0.05 pts | See points |
| Construction and land loans to total capital | 55.42% | 47.97% | +7.45 pts | See points |
| Commercial real estate to total capital | 344.15% | 369.09% | -24.93 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.82% | 0.94% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $167.3M | $160.6M | +$6.7M | +4.2% |
| Non-core funding | $48.1M | $53.2M | -$5.1M | -9.6% |
| Loans to core deposits | 128.48% | 132.99% | -4.51 pts | See points |
| Loans to deposits | 104.93% | 106.92% | -1.99 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 93.90% | 0.00% | +93.90 pts | See points |
| Loans pledged, share of loans | 32.84% | 31.99% | +0.85 pts | See points |
| Volatile liabilities | $48.1M | $53.2M | -$5.1M | -9.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $745K | +$1.1M | +149.5% |
| Earnings before provision, single quarter | $1.1M | $745K | +$369K | +49.5% |
| Provision for credit losses, year to date | $164K | $107K | +$57K | +53.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.85% | 6.23% | +0.62 pts | See points |
| Yield on interest-bearing balances due from banks | 3.49% | 2.83% | +0.66 pts | See points |
| Total interest income to average assets | 6.57% | 5.99% | +0.58 pts | See points |
| Cost of interest-bearing transaction accounts | 1.35% | 1.25% | +0.10 pts | See points |
| Cost of savings and money market deposits | 3.20% | 2.87% | +0.33 pts | See points |
| Cost of time deposits | 3.89% | 3.88% | +0.00 pts | See points |
| Total interest expense to average assets | 2.95% | 2.88% | +0.06 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 | $252M | $208M | $222M | 1.09% | 11.45% | 3.46% |
| 2026-06-30 | $241M | $205M | $213M | 1.08% | 11.25% | 3.47% |
| 2026-03-31 | $239M | $200M | $212M | 0.83% | 8.70% | 3.19% |
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 | $181.1M | 0.20% | 85 | Continuing · +0.02 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.