FDIC Cert #12745 · Prague, Nebraska · Est. 1906

Bank of Prague - FDIC Bank Health Profile

A community-scale look at Bank of Prague's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$46M
Total assets
A
Health grade · Excellent
2.43%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Prague earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.33% Tier 1, profitable at 2.43% ROA, efficient (58% cost ratio).

#4,154
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
12.33%
Tier 1 ratio - above the 10% well-capitalized line
96th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 12745 · NE A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #733/4307
  • PHOTO-FINISH Farmers State Bank,… · OK
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 4.8% Texas
  • ROA-STRONG 2.43% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Farmers State Bank, Allen, Oklahoma, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Prague

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Prague · NE · this b…92/100Farmers and Drovers… · KS · …92/100Farmers State Bank,… · OK · …92/100Sicily Island State… · LA · …92/100The Central Trust Bank · MO …92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Prague · July 2026

What Bank of Prague's Call Report plate shows

Bank of Prague (FDIC Cert #12745) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #733 of 4,307. Tier 1 capital prints at 12.33%, clearing the 10% well-capitalized line. The Texas Ratio is 4.78%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.43%. Balance-sheet scale is $46M, 4,154th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers State Bank, Allen, Oklahoma (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Prague

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

Bank of Prague's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Prague remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How Bank of Prague's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Bank of Prague's composite health score
Tier 1 Capital Ratio (12.33%) 35/40
Return on Assets (ROA) (2.43%) 25/25
Texas Ratio (4.78%) 20/20
Efficiency Ratio (58.27%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$46M

Total balance-sheet footings

Total Deposits

$40M

Customer-funded liabilities

Net Loans

$33M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.93% 12.33% 13.73%
Basel III capital ratios - Bank of Prague

Where Bank of Prague ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Prague's score of 92/100 falls in the highlighted band.

Bank of Prague: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 17% higher than 83% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of Prague 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Prague's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Prague's $46M falls in the highlighted band.

Safety ratios for Bank of Prague

Tier 1 capital ratio
Well-capitalized 10%

12.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.33%
Texas Ratio
4.78%
Equity Capital
$5M

What these ratios mean →

Earnings posture at Bank of Prague

Return on Assets (ROA)
96th percentile nationally
2.43%
Return on Equity (ROE)
19.98%
Efficiency Ratio
58.27%

What these mean →

Income & expense at Bank of Prague

$3M
Interest Income
$844K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Prague reports a Texas Ratio of 4.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Prague on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($46M here), outside Nebraska so the neighborhood is not state containment.

Sound Banking Company $46M · WA Middletown State Bank $46M · IL State Bank of Lake Park $46M · MN Community Bank of Easton $45M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Prague (FDIC Cert #12745) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Prague Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%