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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 13622 · NE B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2980/4307
  • PHOTO-FINISH Farmers & Merchants… · IA
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-CLEAN 10.8% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Farmers & Merchants Bank & Trust, IA (±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 Dayspring Bank

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

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Lo… · LA ·…70/100Dayspring Bank · NE · this b…70/100Farmers & Merchants… · IA · …70/100Middletown Valley Bank · MD …70/100The State Savings Ba… · MI ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Dayspring Bank · July 2026

What Dayspring Bank's Call Report plate shows

Dayspring Bank (FDIC Cert #13622) carries a PlainBankData health grade of B at 70/100, 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 #2,980 of 4,307. Tier 1 capital prints at 10.49%, clearing the 10% well-capitalized line. The Texas Ratio is 10.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $1.2B, 916th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers & Merchants Bank & Trust (IA), 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 Dayspring Bank

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

Dayspring Bank'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; Dayspring Bank 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 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.

0/100100/100National avg77/10070/100
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 Assets

$1.2B

Total balance-sheet footings

Total Deposits

$920M

Customer-funded liabilities

Net Loans

$798M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.09% 10.49% 11.89%
Basel III capital ratios - Dayspring Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Dayspring Bank 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

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 ratios for Dayspring Bank

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

What these ratios mean →

Profitability metrics: Dayspring Bank

Return on Assets (ROA)
33rd percentile nationally
0.87%
Return on Equity (ROE)
8.74%
Efficiency Ratio
58.49%

What these mean →

Income & expense at Dayspring Bank

$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.

FDIC Failed Bank List → View Dayspring Bank 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 ($1.2B here), outside Nebraska so the neighborhood is not state containment.

First US Bank $1.2B · AL Peoples Bank $1.2B · TX First State Bank $1.2B · OH Premier Bank $1.1B · MN

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.

Dayspring Bank 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%