Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hebron, NE · FDIC certificate #11475
THAYER COUNTY BANK is an FDIC-insured institution based in Hebron, NE (FDIC certificate #11475). In its Q3 2026 Call Report it reported total assets of $85M, total deposits of $64M and net loans of $52M. Its primary federal regulator is FDIC.
Plain-language readout
THAYER COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $88M in Q2 2026 and were lowest at $84M in Q1 2026.
Total deposits were highest at $67M in Q2 2026 and lowest at $63M in Q1 2026.
Over the whole period total assets rose 0.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $85M | $64M | $52M | 1.10% | 10.51% | 3.87% |
| Q2 2026 | $88M | $67M | $51M | 1.04% | 9.74% | 3.80% |
| Q1 2026 | $84M | $63M | $50M | 0.85% | 8.07% | 3.77% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.9M | $1.6M | +$382K | +24.6% |
| Federal funds sold | $2.7M | $1.7M | +$955K | +55.4% |
| 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) | $28.4M | $26.2M | +$2.2M | +8.2% |
| 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) | $50.6M | $50.1M | +$545K | +1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $616K | $618K | -$2K | -0.3% |
| 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 | $4.3M | $4.3M | -$37K | -0.9% |
| Total assets | $88.5M | $84.5M | +$4.0M | +4.7% |
| Liabilities | ||||
| Total deposits | $66.5M | $63.0M | +$3.5M | +5.6% |
| 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 | $11.7M | $11.8M | -$157K | -1.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $714K | $531K | +$183K | +34.5% |
| Total liabilities | $78.9M | $75.4M | +$3.6M | +4.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $9.5M | $9.5M | $0K | 0.0% |
| Retained earnings | $1.7M | $1.5M | +$268K | +18.2% |
| Accumulated other comprehensive income | -$2.2M | -$2.3M | +$167K | +7.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.6M | $9.1M | +$435K | +4.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $162K | $7K | +$155K | +2214.3% |
| Adjusted nonperforming assets | $162K | $7K | +$155K | +2214.3% |
| Tangible equity plus allowance | $10.3M | $9.8M | +$463K | +4.7% |
| Texas ratio (gross) | 1.58% | 0.07% | +1.51 pts | See points |
| Texas ratio (adjusted) | 1.58% | 0.07% | +1.51 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 11.25% | 10.19% | +1.05 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) | 13.02% | 13.32% | -0.30 pts | See points |
| Construction and land loans to total capital | 8.00% | 7.33% | +0.67 pts | See points |
| Commercial real estate to total capital | 26.50% | 26.16% | +0.34 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 | -23.48% | -14.02% | -9.47 pts | See points |
| Liquidity | ||||
| Core deposits | $63.6M | $60.4M | +$3.2M | +5.3% |
| Non-core funding | $14.6M | $14.5M | +$161K | +1.1% |
| Loans to core deposits | 80.66% | 84.01% | -3.35 pts | See points |
| Loans to deposits | 77.07% | 80.48% | -3.41 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 63.69% | 58.84% | +4.85 pts | See points |
| Loans pledged, share of loans | 44.48% | 42.83% | +1.65 pts | See points |
| Volatile liabilities | $14.6M | $14.5M | +$161K | +1.1% |
| Earnings | ||||
| Earnings before provision, year to date | $453K | $136K | +$317K | +233.1% |
| Earnings before provision, single quarter | $317K | $136K | +$181K | +133.1% |
| Provision for credit losses, year to date | $27K | $2K | +$25K | +1250.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.67% | 6.69% | -0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 3.10% | -3.10 pts | See points |
| Total interest income to average assets | 5.12% | 5.20% | -0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.82% | 0.71% | +0.11 pts | See points |
| Cost of savings and money market deposits | 0.91% | 0.94% | -0.02 pts | See points |
| Cost of time deposits | 3.63% | 3.60% | +0.02 pts | See points |
| Total interest expense to average assets | 1.67% | 1.70% | -0.03 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 | $85M | $64M | $52M | 1.10% | 10.51% | 3.87% |
| 2026-06-30 | $88M | $67M | $51M | 1.04% | 9.74% | 3.80% |
| 2026-03-31 | $84M | $63M | $50M | 0.85% | 8.07% | 3.77% |
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 | $65.3M | 0.07% | 123 | 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.