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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wahoo, NE · FDIC certificate #1163
WAHOO STATE BANK is an FDIC-insured institution based in Wahoo, NE (FDIC certificate #1163). In its Q3 2026 Call Report it reported total assets of $118M, total deposits of $92M and net loans of $81M. Its primary federal regulator is FED.
Plain-language readout
WAHOO STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $118M in Q3 2026 and were lowest at $114M in Q1 2026.
Total deposits were highest at $92M in Q2 2026 and lowest at $90M in Q1 2026.
Over the whole period total assets rose 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $118M | $92M | $81M | 0.78% | 9.63% | 3.63% |
| Q2 2026 | $117M | $92M | $82M | 0.78% | 9.62% | 3.65% |
| Q1 2026 | $114M | $90M | $84M | 0.77% | 9.47% | 3.64% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.6M | $5.1M | +$4.5M | +87.6% |
| 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) | $13.6M | $14.0M | -$346K | -2.5% |
| 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) | $82.4M | $84.0M | -$1.6M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.2M | $6.2M | -$50K | -0.8% |
| 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 | $4.7M | $4.7M | +$13K | +0.3% |
| Total assets | $116.5M | $114.0M | +$2.5M | +2.2% |
| Liabilities | ||||
| Total deposits | $91.7M | $90.1M | +$1.6M | +1.8% |
| 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 | $11.6M | $11.6M | -$36K | -0.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $2.9M | +$749K | +25.5% |
| Total liabilities | $107.0M | $104.7M | +$2.4M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $480K | $480K | $0K | 0.0% |
| Surplus | $7.9M | $7.9M | $0K | 0.0% |
| Retained earnings | $2.1M | $2.0M | +$149K | +7.6% |
| Accumulated other comprehensive income | -$1.0M | -$1.0M | +$34K | +3.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.5M | $9.3M | +$183K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $10.4M | $10.2M | +$189K | +1.9% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 13.06% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 13.06% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 1.05% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 14.12% | Not reported | See points |
| Tier 1 leverage (approximate) | 9.03% | 9.01% | +0.02 pts | See points |
| Construction and land loans to total capital | 27.58% | 27.16% | +0.42 pts | See points |
| Commercial real estate to total capital | 30.83% | 30.49% | +0.34 pts | See points |
| Dividend payout, year to date | 26.73% | 18.72% | +8.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.81% | -16.06% | +1.25 pts | See points |
| Liquidity | ||||
| Core deposits | $86.7M | $85.1M | +$1.6M | +1.9% |
| Non-core funding | $16.6M | $16.6M | $0K | 0.0% |
| Loans to core deposits | 95.98% | 99.63% | -3.65 pts | See points |
| Loans to deposits | 90.75% | 94.14% | -3.39 pts | See points |
| Brokered deposits share of deposits | 0.78% | 0.80% | -0.01 pts | See points |
| Pledged securities share of securities | 38.78% | 38.20% | +0.58 pts | See points |
| Loans pledged, share of loans | 13.95% | 13.73% | +0.21 pts | See points |
| Volatile liabilities | $16.6M | $16.6M | $0K | 0.0% |
| Earnings | ||||
| Earnings before provision, year to date | $478K | $234K | +$244K | +104.3% |
| Earnings before provision, single quarter | $244K | $234K | +$10K | +4.3% |
| Provision for credit losses, year to date | $13K | $7K | +$6K | +85.7% |
| Yield and cost | ||||
| Yield on loans and leases | 5.53% | 5.45% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 4.39% | 4.53% | -0.14 pts | See points |
| Total interest income to average assets | 4.57% | 4.50% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 0.54% | 0.57% | -0.03 pts | See points |
| Cost of savings and money market deposits | 1.01% | 0.83% | +0.18 pts | See points |
| Cost of time deposits | 3.64% | 3.45% | +0.20 pts | See points |
| Total interest expense to average assets | 1.30% | 1.28% | +0.02 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 | $118M | $92M | $81M | 0.78% | 9.63% | 3.63% |
| 2026-06-30 | $117M | $92M | $82M | 0.78% | 9.62% | 3.65% |
| 2026-03-31 | $114M | $90M | $84M | 0.77% | 9.47% | 3.64% |
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 | $92.1M | 0.10% | 114 | 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.