FDIC Cert #19809 · Hershey, Nebraska · Est. 1968

Hershey Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$139M
Total assets
B
Health grade · Good
1.27%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Hershey Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.62% Tier 1, profitable at 1.27% ROA, efficient (60% cost ratio).

#3,445
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
11.62%
Tier 1 ratio - above the 10% well-capitalized line
62nd
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 19809 · NE B · 76/100

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

  • GRADE-B B (76/100)
  • MID-PACK #2531/4307
  • PHOTO-FINISH Bank of Estes Park · CO
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-CLEAN 10.7% Texas
  • ROA-STRONG 1.27% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Bank of Estes Park, CO (±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 Hershey Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Estes Park · CO · ne…76/100FirstState Bank · AL · near76/100Hershey Bank · NE · this bank76/100The Hardin County Bank · TN …76/100The Hocking Valley B… · OH ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Hershey Bank · July 2026

What Hershey Bank's Call Report plate shows

Hershey Bank (FDIC Cert #19809) carries a PlainBankData health grade of B at 76/100, 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 #2,531 of 4,307. Tier 1 capital prints at 11.62%, clearing the 10% well-capitalized line. The Texas Ratio is 10.71%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.27%. Balance-sheet scale is $139M, 3,445th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Estes Park (CO), 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 Hershey Bank

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

Hershey 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; Hershey 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 Hershey Bank's 76/100 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 avg77/10076/100
Hershey Bank's composite health score
Tier 1 Capital Ratio (11.62%) 28/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (10.71%) 16/20
Efficiency Ratio (59.65%) 12/15

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

Balance sheet at a glance

Total Assets

$139M

Total balance-sheet footings

Total Deposits

$101M

Customer-funded liabilities

Net Loans

$115M

Outstanding loan book

Net Income

$2M

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.) 10.22% 11.62% 13.02%
Basel III capital ratios - Hershey Bank

Where Hershey Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hershey Bank's score of 76/100 falls in the highlighted band.

Hershey Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 41st percentile higher than 41% 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. Hershey 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

Hershey 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). Hershey Bank's $139M falls in the highlighted band.

Safety ratios for Hershey Bank

Tier 1 capital ratio
Well-capitalized 10%

11.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.62%
Texas Ratio
10.71%
Equity Capital
$17M

What these ratios mean →

Earnings posture at Hershey Bank

Return on Assets (ROA)
62nd percentile nationally
1.27%
Return on Equity (ROE)
10.11%
Efficiency Ratio
59.65%

What these mean →

Income & expense at Hershey Bank

$8M
Interest Income
$660K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Hershey Bank reports a Texas Ratio of 10.71% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Hershey 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 ($139M here), outside Nebraska so the neighborhood is not state containment.

Du Quoin State Bank $139M · IL Methuen Co-operative Bank $138M · MA Commercial Bank of Mott $138M · ND The First National Bank of Moose Lake $139M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hershey Bank (FDIC Cert #19809) - 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.

Hershey 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%