Total Assets
$51M
Total balance-sheet footings
FDIC Cert #29379 · Sidney, Nebraska · Est. 1899
Sidney Federal Savings and Loan Association - FDIC Bank Health Profile
A community-scale look at Sidney Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $51M
- Total assets
- A
- Health grade · Excellent
- 1.47%
- Return on assets
- 46.0%
- Tier 1 capital
Data updated July 2026
The verdict
Sidney Federal Savings and Loan Association earns a PlainBankData health grade of A (92/100), with well-capitalized at 45.98% Tier 1, profitable at 1.47% ROA, efficient (57% cost ratio).
- #4,128
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 45.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- 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 Sidney Federal Savings and Loan Association's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sidney Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (45.98%) 40/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (56.75%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$43M
Customer-funded liabilities
Net Loans
$9M
Outstanding loan book
Net Income
$500K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sidney Federal Savings and Loan Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sidney Federal Savings and Loan Association's score of 92/100 falls in the highlighted band.
Sidney Federal Savings and Loan Association'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). Sidney Federal Savings and Loan Association's $51M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
45.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
45.98%
Texas Ratio
0.00%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
11.01%
Efficiency Ratio
56.75%
What the numbers say about Sidney Federal Savings and Loan Association
Sidney Federal Savings and Loan Association is an FDIC-insured institution (Certificate #29379) headquartered in Sidney, Nebraska, established in 1899. It holds $51M in total assets - 4,128th of 4,313 FDIC-insured banks, $43M in customer deposits, and $9M in net loans. Capital-wise, the Tier 1 ratio sits at 45.98%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Sidney Federal Savings and Loan Association is a community-scale institution -- 133rd of 142 FDIC-insured banks headquartered in Nebraska by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$20K
Non-Interest Income
$656K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sidney Federal Savings and Loan Association 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.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sidney Federal Savings and Loan Association (FDIC Cert #29379) - 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 Sidney Federal Savings and Loan Association's health grade?▼
Sidney Federal Savings and Loan Association receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Sidney Federal Savings and Loan Association?▼
Sidney Federal Savings and Loan Association holds $51M in total assets and $43M in deposits, ranking 4,128th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sidney, Nebraska.
Is my money safe at Sidney Federal Savings and Loan Association?▼
Yes, deposits at Sidney Federal Savings and Loan Association (Certificate #29379) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sidney Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Sidney Federal Savings and Loan Association has a Tier 1 Capital Ratio of 45.98%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Sidney Federal Savings and Loan Association?▼
Sidney Federal Savings and Loan Association has a Texas Ratio of 0.00%. 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 Sidney Federal Savings and Loan Association?▼
Sidney Federal Savings and Loan Association has an Efficiency Ratio of 56.75%. 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 Sidney Federal Savings and Loan Association's profile as a depositor or analyst.
- Sidney Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sidney Federal Savings and Loan Association 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.