Total Assets
$369M
Total balance-sheet footings
FDIC Cert #14058 · Petersburg, Nebraska · Est. 1920
Great Plains State Bank - FDIC Bank Health Profile
A community-scale look at Great Plains State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $369M
- Total assets
- B
- Health grade · Good
- 0.90%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Great Plains State Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.77% Tier 1, 0.90% ROA, 64% efficiency ratio.
- #2,197
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 11.77%
- Tier 1 ratio - above the 10% well-capitalized line
- 36th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Great Plains State Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Great Plains State Bank's composite health score
Tier 1 Capital Ratio (11.77%) 28/40
Return on Assets (ROA) (0.90%) 14/25
Texas Ratio (14.24%) 16/20
Efficiency Ratio (64.47%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$301M
Customer-funded liabilities
Net Loans
$302M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Great Plains State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Great Plains State Bank's score of 66/100 falls in the highlighted band.
Great Plains State 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). Great Plains State Bank's $369M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.77% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.77%
Texas Ratio
14.24%
Equity Capital
$44M
Profitability metrics
Return on Assets (ROA)
36th percentile nationally
0.90%
Return on Equity (ROE)
7.82%
Efficiency Ratio
64.47%
What the numbers say about Great Plains State Bank
Great Plains State Bank is an FDIC-insured institution (Certificate #14058) headquartered in Petersburg, Nebraska, established in 1920. It holds $369M in total assets - 2,197th of 4,313 FDIC-insured banks, $301M in customer deposits, and $302M in net loans. Capital-wise, the Tier 1 ratio sits at 11.77%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 14.24%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Great Plains State Bank sits 54th of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$519K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Great Plains State Bank reports a Texas Ratio of 14.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.24% - 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) Great Plains State Bank (FDIC Cert #14058) - 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 Great Plains State Bank's health grade?▼
Great Plains State Bank receives a health grade of B (66/100) 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 Great Plains State Bank?▼
Great Plains State Bank holds $369M in total assets and $301M in deposits, ranking 2,197th of 4,313 FDIC-insured banks by asset size. It is headquartered in Petersburg, Nebraska.
Is my money safe at Great Plains State Bank?▼
Yes, deposits at Great Plains State Bank (Certificate #14058) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Great Plains State Bank's Tier 1 Capital Ratio?▼
Great Plains State Bank has a Tier 1 Capital Ratio of 11.77%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Great Plains State Bank?▼
Great Plains State Bank has a Texas Ratio of 14.24%. 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 Great Plains State Bank?▼
Great Plains State Bank has an Efficiency Ratio of 64.47%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Great Plains State Bank's profile as a depositor or analyst.
- Great Plains State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Great Plains State 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.