Total Assets
$19M
Total balance-sheet footings
FDIC Cert #10635 · Steinauer, Nebraska · Est. 1888
The Bank of Steinauer - FDIC Bank Health Profile
A community-scale look at The Bank of Steinauer's own numbers, pulled straight from its quarterly FDIC Call Report.
- $19M
- Total assets
- C
- Health grade · Fair
- 0.31%
- Return on assets
- 14.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Steinauer earns a PlainBankData health grade of C (62/100), with well-capitalized at 14.73% Tier 1, 0.31% ROA, 92% efficiency ratio.
- #4,283
- largest of 4,313 FDIC banks by assets
- 1st
- percentile by asset size, nationally
- 14.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- 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.
How The Bank of Steinauer's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Steinauer's composite health score
Tier 1 Capital Ratio (14.73%) 35/40
Return on Assets (ROA) (0.31%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (91.91%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$17M
Customer-funded liabilities
Net Loans
$12M
Outstanding loan book
Net Income
$65K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Steinauer ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Steinauer's score of 62/100 falls in the highlighted band.
The Bank of Steinauer'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). The Bank of Steinauer's $19M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.73%
Texas Ratio
0.00%
Equity Capital
$2M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.31%
Return on Equity (ROE)
3.54%
Efficiency Ratio
91.91%
What the numbers say about The Bank of Steinauer
The Bank of Steinauer is an FDIC-insured institution (Certificate #10635) headquartered in Steinauer, Nebraska, established in 1888. It holds $19M in total assets - 4,283rd of 4,313 FDIC-insured banks, $17M in customer deposits, and $12M in net loans. Looking at capital strength, Tier 1 stands at 14.73%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Bank of Steinauer ranks 142nd of 142 banks based in Nebraska -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$1M
Interest Income
$72K
Non-Interest Income
$920K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Steinauer 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) The Bank of Steinauer (FDIC Cert #10635) - 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 The Bank of Steinauer's health grade?▼
The Bank of Steinauer receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Bank of Steinauer?▼
The Bank of Steinauer holds $19M in total assets and $17M in deposits, ranking 4,283rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Steinauer, Nebraska.
Is my money safe at The Bank of Steinauer?▼
Yes, deposits at The Bank of Steinauer (Certificate #10635) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Steinauer's Tier 1 Capital Ratio?▼
The Bank of Steinauer has a Tier 1 Capital Ratio of 14.73%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Steinauer?▼
The Bank of Steinauer has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Steinauer?▼
The Bank of Steinauer has an Efficiency Ratio of 91.91%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Steinauer's profile as a depositor or analyst.
- The Bank of Steinauer's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Steinauer 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.