Total Assets
$53M
Total balance-sheet footings
FDIC Cert #30395 · Tecumseh, Nebraska · Est. 1904
Tecumseh Federal Bank - FDIC Bank Health Profile
A community-scale look at Tecumseh Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $53M
- Total assets
- B
- Health grade · Good
- 0.16%
- Return on assets
- 21.3%
- Tier 1 capital
Data updated July 2026
The verdict
Tecumseh Federal Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 21.28% Tier 1, 0.16% ROA, 101% efficiency ratio.
- #4,111
- largest of 4,313 FDIC banks by assets
- 5th
- percentile by asset size, nationally
- 21.28%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Tecumseh Federal Bank's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tecumseh Federal Bank's composite health score
Tier 1 Capital Ratio (21.28%) 40/40
Return on Assets (ROA) (0.16%) 7/25
Texas Ratio (1.56%) 20/20
Efficiency Ratio (100.59%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$37M
Customer-funded liabilities
Net Loans
$26M
Outstanding loan book
Net Income
$84K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Tecumseh Federal Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Tecumseh Federal Bank's score of 67/100 falls in the highlighted band.
Tecumseh Federal 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). Tecumseh Federal Bank's $53M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.28% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.28%
Texas Ratio
1.56%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
0.77%
Efficiency Ratio
100.59%
What the numbers say about Tecumseh Federal Bank
Tecumseh Federal Bank is an FDIC-insured institution (Certificate #30395) headquartered in Tecumseh, Nebraska, established in 1904. It holds $53M in total assets - 4,111th of 4,313 FDIC-insured banks, $37M in customer deposits, and $26M in net loans. Capital-wise, the Tier 1 ratio sits at 21.28%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.56%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Tecumseh Federal Bank is a community-scale institution -- 132nd 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
$585K
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. Tecumseh Federal Bank reports a Texas Ratio of 1.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.56% - 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) Tecumseh Federal Bank (FDIC Cert #30395) - 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 Tecumseh Federal Bank's health grade?▼
Tecumseh Federal Bank receives a health grade of B (67/100) 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 Tecumseh Federal Bank?▼
Tecumseh Federal Bank holds $53M in total assets and $37M in deposits, ranking 4,111th of 4,313 FDIC-insured banks by asset size. It is headquartered in Tecumseh, Nebraska.
Is my money safe at Tecumseh Federal Bank?▼
Yes, deposits at Tecumseh Federal Bank (Certificate #30395) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Tecumseh Federal Bank's Tier 1 Capital Ratio?▼
Tecumseh Federal Bank has a Tier 1 Capital Ratio of 21.28%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Tecumseh Federal Bank?▼
Tecumseh Federal Bank has a Texas Ratio of 1.56%. 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 Tecumseh Federal Bank?▼
Tecumseh Federal Bank has an Efficiency Ratio of 100.59%. 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 Tecumseh Federal Bank's profile as a depositor or analyst.
- Tecumseh Federal Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Tecumseh Federal 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.