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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Scribner, NE · FDIC certificate #14026
SCRIBNER BANK is an FDIC-insured institution based in Scribner, NE (FDIC certificate #14026). In its Q3 2026 Call Report it reported total assets of $87M, total deposits of $72M and net loans of $56M. Its primary federal regulator is FDIC.
Plain-language readout
SCRIBNER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $87M in Q3 2026 and were lowest at $86M in Q1 2026.
Total deposits were highest at $72M in Q2 2026 and lowest at $72M in Q1 2026.
Over the whole period total assets rose 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $87M | $72M | $56M | 2.54% | 15.91% | 5.12% |
| Q2 2026 | $87M | $72M | $57M | 2.73% | 17.34% | 5.17% |
| Q1 2026 | $86M | $72M | $54M | 2.69% | 17.52% | 5.45% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.6M | $17.7M | -$2.1M | -11.9% |
| 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) | $12.1M | $11.5M | +$611K | +5.3% |
| Equity securities with readily determinable fair values, not held for trading | $74K | $56K | +$18K | +32.1% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $56.8M | $54.5M | +$2.3M | +4.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $193K | $202K | -$9K | -4.5% |
| 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) | $7K | $8K | -$1K | -12.5% |
| All other assets | $2.1M | $2.0M | +$147K | +7.4% |
| Total assets | $86.9M | $86.0M | +$946K | +1.1% |
| Liabilities | ||||
| Total deposits | $72.1M | $71.7M | +$344K | +0.5% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $475K | $451K | +$24K | +5.3% |
| Total liabilities | $72.6M | $72.2M | +$368K | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $450K | $450K | $0K | 0.0% |
| Surplus | $10.0M | $10.0M | $0K | 0.0% |
| Retained earnings | $4.0M | $3.4M | +$607K | +17.8% |
| Accumulated other comprehensive income | -$66K | -$37K | -$29K | -78.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.4M | $13.8M | +$578K | +4.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $25K | $30K | -$5K | -16.7% |
| Adjusted nonperforming assets | $25K | $30K | -$5K | -16.7% |
| Tangible equity plus allowance | $15.5M | $14.8M | +$639K | +4.3% |
| Texas ratio (gross) | 0.16% | 0.20% | -0.04 pts | See points |
| Texas ratio (adjusted) | 0.16% | 0.20% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.16% | 0.20% | -0.04 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) | 16.56% | 15.65% | +0.91 pts | See points |
| Construction and land loans to total capital | 8.09% | 8.26% | -0.18 pts | See points |
| Commercial real estate to total capital | 26.91% | 26.61% | +0.30 pts | See points |
| Dividend payout, year to date | 25.17% | 50.67% | -25.50 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.58% | -0.34% | -0.24 pts | See points |
| Liquidity | ||||
| Core deposits | $70.0M | $69.7M | +$331K | +0.5% |
| Non-core funding | $2.1M | $2.1M | +$13K | +0.6% |
| Loans to core deposits | 82.69% | 79.71% | +2.98 pts | See points |
| Loans to deposits | 80.31% | 77.42% | +2.89 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 69.71% | 69.36% | +0.36 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $2.1M | $2.1M | +$13K | +0.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $811K | +$771K | +95.1% |
| Earnings before provision, single quarter | $771K | $811K | -$40K | -4.9% |
| Provision for credit losses, year to date | $70K | $45K | +$25K | +55.6% |
| Yield and cost | ||||
| Yield on loans and leases | 7.26% | 8.32% | -1.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.74% | 3.75% | -0.01 pts | See points |
| Total interest income to average assets | 5.89% | 6.39% | -0.50 pts | See points |
| Cost of interest-bearing transaction accounts | 1.07% | 1.07% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.76% | 1.75% | +0.01 pts | See points |
| Cost of time deposits | 3.29% | 3.29% | +0.00 pts | See points |
| Total interest expense to average assets | 1.21% | 1.21% | +0.00 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 | $87M | $72M | $56M | 2.54% | 15.91% | 5.12% |
| 2026-06-30 | $87M | $72M | $57M | 2.73% | 17.34% | 5.17% |
| 2026-03-31 | $86M | $72M | $54M | 2.69% | 17.52% | 5.45% |
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 | $72.7M | 0.08% | 119 | 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.