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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wayne, NE · FDIC certificate #5490
STATE NEBRASKA BANK&TRUST is an FDIC-insured institution based in Wayne, NE (FDIC certificate #5490). In its Q3 2026 Call Report it reported total assets of $238M, total deposits of $200M and net loans of $160M. Its primary federal regulator is FDIC.
Plain-language readout
STATE NEBRASKA BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $249M in Q1 2026 and were lowest at $238M in Q3 2026.
Total deposits were highest at $204M in Q2 2026 and lowest at $200M in Q3 2026.
Over the whole period total assets fell 4.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $238M | $200M | $160M | 1.22% | 12.77% | 3.61% |
| Q2 2026 | $244M | $204M | $161M | 1.20% | 12.62% | 3.57% |
| Q1 2026 | $249M | $201M | $168M | 1.28% | 13.75% | 3.52% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.2M | $5.1M | +$2.1M | +41.8% |
| 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) | $61.0M | $61.6M | -$608K | -1.0% |
| 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) | $161.3M | $167.7M | -$6.3M | -3.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.5M | $6.6M | -$102K | -1.5% |
| 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 | $7.9M | $8.4M | -$510K | -6.1% |
| Total assets | $244.0M | $249.4M | -$5.4M | -2.2% |
| Liabilities | ||||
| Total deposits | $203.8M | $200.8M | +$3.0M | +1.5% |
| Federal funds purchased | $0K | $1.5M | -$1.5M | -100.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.0M | $22.5M | -$7.5M | -33.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $1.2M | -$161K | -13.7% |
| Total liabilities | $219.8M | $226.0M | -$6.2M | -2.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $650K | $650K | $0K | 0.0% |
| Surplus | $23.4M | $23.4M | $0K | 0.0% |
| Retained earnings | $3.1M | $2.6M | +$525K | +20.4% |
| Accumulated other comprehensive income | -$2.9M | -$3.2M | +$214K | +6.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.2M | $23.4M | +$739K | +3.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.6M | $2.2M | +$473K | +21.8% |
| Adjusted nonperforming assets | $2.6M | $2.2M | +$473K | +21.8% |
| Tangible equity plus allowance | $26.8M | $25.8M | +$1.0M | +3.9% |
| Texas ratio (gross) | 9.87% | 8.42% | +1.45 pts | See points |
| Texas ratio (adjusted) | 9.87% | 8.42% | +1.45 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 9.87% | 8.42% | +1.45 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.69% | 13.88% | +0.81 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.69% | 13.88% | +0.81 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.22% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.95% | 15.10% | +0.84 pts | See points |
| Tier 1 leverage (approximate) | 10.89% | 10.53% | +0.35 pts | See points |
| Construction and land loans to total capital | 70.16% | 70.78% | -0.62 pts | See points |
| Commercial real estate to total capital | 110.89% | 107.67% | +3.22 pts | See points |
| Dividend payout, year to date | 21.90% | 20.45% | +1.45 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.73% | -15.03% | +1.29 pts | See points |
| Liquidity | ||||
| Core deposits | $184.2M | $183.3M | +$885K | +0.5% |
| Non-core funding | $34.6M | $41.5M | -$6.9M | -16.6% |
| Loans to core deposits | 89.01% | 92.73% | -3.72 pts | See points |
| Loans to deposits | 80.45% | 84.68% | -4.23 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | 62.93% | 64.94% | -2.01 pts | See points |
| Loans pledged, share of loans | 18.82% | 17.85% | +0.97 pts | See points |
| Volatile liabilities | $34.6M | $41.5M | -$6.9M | -16.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.2M | +100.5% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$6K | +0.5% |
| Provision for credit losses, year to date | $450K | $150K | +$300K | +200.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.85% | 6.85% | -0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 3.24% | 2.61% | +0.64 pts | See points |
| Total interest income to average assets | 5.23% | 5.18% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 1.81% | 1.70% | +0.11 pts | See points |
| Cost of savings and money market deposits | 1.31% | 1.29% | +0.02 pts | See points |
| Cost of time deposits | 3.40% | 3.57% | -0.17 pts | See points |
| Total interest expense to average assets | 1.93% | 1.97% | -0.04 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 | $238M | $200M | $160M | 1.22% | 12.77% | 3.61% |
| 2026-06-30 | $244M | $204M | $161M | 1.20% | 12.62% | 3.57% |
| 2026-03-31 | $249M | $201M | $168M | 1.28% | 13.75% | 3.52% |
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 | $201.9M | 0.22% | 77 | 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.