FDIC Cert #9819 · Oshkosh, Nebraska · Est. 1921

Nebraska State Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$71M
Total assets
A
Health grade · Excellent
3.95%
Return on assets
19.0%
Tier 1 capital

Data updated July 2026

The verdict

Nebraska State Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.97% Tier 1, profitable at 3.95% ROA, efficient (36% cost ratio).

#3,972
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
18.97%
Tier 1 ratio - above the 10% well-capitalized line
99th
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.

FDIC Call Report plate

Cert 9819 · NE A · 100/100

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

  • GRADE-A A (100/100)
  • TOP-DECILE #145/4307
  • PHOTO-FINISH State Bank of Newburg · WI
  • TIER1-WELL 19.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 3.95% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: State Bank of Newburg, WI (±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 Nebraska State Bank

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

Alva State Bank & Tr… · OK ·…100/100First Bank of Ohio · OH · ne…100/100Morgan Stanley Bank,… · UT ·…100/100Nebraska State Bank · NE · t…100/100Security State Bank… · MN · …100/100State Bank of Newburg · WI ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Nebraska State Bank · July 2026

What Nebraska State Bank's Call Report plate shows

Nebraska State Bank (FDIC Cert #9819) carries a PlainBankData health grade of A at 100/100, 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 #145 of 4,307. Tier 1 capital prints at 18.97%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.95%. Balance-sheet scale is $71M, 3,972nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank of Newburg (WI), 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 Nebraska State Bank

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

Nebraska State 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; Nebraska State 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 Nebraska State Bank's 100/100 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 avg77/100100/100
Nebraska State Bank's composite health score
Tier 1 Capital Ratio (18.97%) 40/40
Return on Assets (ROA) (3.95%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (35.53%) 15/15

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

Balance sheet at a glance

Total Assets

$71M

Total balance-sheet footings

Total Deposits

$58M

Customer-funded liabilities

Net Loans

$52M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.57% 18.97% 20.37%
Basel III capital ratios - Nebraska State Bank

Where Nebraska State Bank ranks

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

Nebraska State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% 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. Nebraska State 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

Nebraska 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). Nebraska State Bank's $71M falls in the highlighted band.

Safety ratios for Nebraska State Bank

Tier 1 capital ratio
Well-capitalized 10%

18.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.97%
Texas Ratio
0.00%
Equity Capital
$13M

What these ratios mean →

Earnings posture at Nebraska State Bank

Return on Assets (ROA)
99th percentile nationally
3.95%
Return on Equity (ROE)
22.68%
Efficiency Ratio
35.53%

What these mean →

Income & expense at Nebraska State Bank

$4M
Interest Income
$1M
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. Nebraska State Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Nebraska State 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 ($71M here), outside Nebraska so the neighborhood is not state containment.

Argentine Federal Savings $71M · KS Peoples State Bank $72M · ND Homestead Savings Bank $72M · MI Randall State Bank $71M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Nebraska State Bank (FDIC Cert #9819) - 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.

Nebraska State 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%