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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lynch, NE · FDIC certificate #16516
NEBRASKA STATE BANK is an FDIC-insured institution based in Lynch, NE (FDIC certificate #16516). In its Q3 2026 Call Report it reported total assets of $23M, total deposits of $19M and net loans of $13M. Its primary federal regulator is FDIC.
Plain-language readout
NEBRASKA STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $25M in Q2 2026 and were lowest at $23M in Q3 2026.
Total deposits were highest at $22M in Q2 2026 and lowest at $19M in Q3 2026.
Over the whole period total assets fell 9.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $23M | $19M | $13M | 0.60% | 4.75% | 4.00% |
| Q2 2026 | $25M | $22M | $12M | 0.60% | 4.80% | 3.87% |
| Q1 2026 | $25M | $22M | $10M | 0.68% | 5.30% | 3.54% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.7M | $14.7M | -$2.1M | -14.2% |
| 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) | $0K | $0K | $0K | n/a |
| 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) | $12.5M | $9.9M | +$2.6M | +26.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $35K | $8K | +$27K | +337.5% |
| 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 | $245K | $243K | +$2K | +0.8% |
| Total assets | $25.4M | $24.9M | +$549K | +2.2% |
| Liabilities | ||||
| Total deposits | $22.3M | $21.8M | +$487K | +2.2% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $116K | $86K | +$30K | +34.9% |
| Total liabilities | $22.4M | $21.9M | +$517K | +2.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $65K | $65K | $0K | 0.0% |
| Surplus | $255K | $255K | $0K | 0.0% |
| Retained earnings | $2.7M | $2.6M | +$32K | +1.2% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $3.0M | $3.0M | +$32K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $402K | $396K | +$6K | +1.5% |
| Adjusted nonperforming assets | $402K | $396K | +$6K | +1.5% |
| Tangible equity plus allowance | $3.1M | $3.1M | +$32K | +1.0% |
| Texas ratio (gross) | 12.81% | 12.75% | +0.06 pts | See points |
| Texas ratio (adjusted) | 12.81% | 12.75% | +0.06 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 12.81% | 12.75% | +0.06 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) | 11.32% | 13.05% | -1.73 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 89.16% | 8.86% | +80.30 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 | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $20.9M | $20.5M | +$476K | +2.3% |
| Non-core funding | $1.4M | $1.4M | +$11K | +0.8% |
| Loans to core deposits | 60.33% | 48.99% | +11.34 pts | See points |
| Loans to deposits | 56.59% | 45.92% | +10.68 pts | See points |
| Brokered deposits share of deposits | 1.12% | 1.14% | -0.02 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $1.4M | $1.4M | +$11K | +0.8% |
| Earnings | ||||
| Earnings before provision, year to date | $93K | $51K | +$42K | +82.4% |
| Earnings before provision, single quarter | $42K | $51K | -$9K | -17.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.41% | 5.86% | +0.54 pts | See points |
| Yield on interest-bearing balances due from banks | 3.79% | 3.74% | +0.05 pts | See points |
| Total interest income to average assets | 4.49% | 4.44% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.95% | 0.42% | +0.53 pts | See points |
| Cost of savings and money market deposits | 0.48% | 0.22% | +0.26 pts | See points |
| Cost of time deposits | 3.39% | 3.44% | -0.06 pts | See points |
| Total interest expense to average assets | 1.09% | 0.99% | +0.10 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 | $23M | $19M | $13M | 0.60% | 4.75% | 4.00% |
| 2026-06-30 | $25M | $22M | $12M | 0.60% | 4.80% | 3.87% |
| 2026-03-31 | $25M | $22M | $10M | 0.68% | 5.30% | 3.54% |
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 | $17M | 0.02% | 164 | 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.