Total Assets
$1.2B
Total balance-sheet footings
FDIC Cert #13622 · Gothenburg, Nebraska · Est. 1906
Dayspring Bank - FDIC Bank Health Profile
A community-scale look at Dayspring Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.2B
- Total assets
- B
- Health grade · Good
- 0.87%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Dayspring Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.49% Tier 1, 0.87% ROA, efficient (58% cost ratio).
- #916
- largest of 4,313 FDIC banks by assets
- 79th
- percentile by asset size, nationally
- 10.49%
- Tier 1 ratio - above the 10% well-capitalized line
- 33rd
- 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.
How Dayspring Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Dayspring Bank's composite health score
Tier 1 Capital Ratio (10.49%) 28/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (10.80%) 16/20
Efficiency Ratio (58.49%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$920M
Customer-funded liabilities
Net Loans
$798M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dayspring Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dayspring Bank's score of 70/100 falls in the highlighted band.
Dayspring Bank'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). Dayspring Bank's $1.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.49%
Texas Ratio
10.80%
Equity Capital
$121M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.87%
Return on Equity (ROE)
8.74%
Efficiency Ratio
58.49%
What the numbers say about Dayspring Bank
Dayspring Bank is an FDIC-insured institution (Certificate #13622) headquartered in Gothenburg, Nebraska, established in 1906. It holds $1.2B in total assets - 916th of 4,313 FDIC-insured banks, $920M in customer deposits, and $798M in net loans. Capital-wise, the Tier 1 ratio sits at 10.49%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.80%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Dayspring Bank sits 16th of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$64M
Interest Income
$9M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dayspring Bank reports a Texas Ratio of 10.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dayspring Bank (FDIC Cert #13622) - 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.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Dayspring Bank's health grade?▼
Dayspring Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Dayspring Bank?▼
Dayspring Bank holds $1.2B in total assets and $920M in deposits, ranking 916th of 4,313 FDIC-insured banks by asset size. It is headquartered in Gothenburg, Nebraska.
Is my money safe at Dayspring Bank?▼
Yes, deposits at Dayspring Bank (Certificate #13622) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Dayspring Bank's Tier 1 Capital Ratio?▼
Dayspring Bank has a Tier 1 Capital Ratio of 10.49%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Dayspring Bank?▼
Dayspring Bank has a Texas Ratio of 10.80%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Dayspring Bank?▼
Dayspring Bank has an Efficiency Ratio of 58.49%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Dayspring Bank's profile as a depositor or analyst.
- Dayspring Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Dayspring Bank against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.