Nebraska Banks

142 FDIC-insured banks · Average health score 43/100 · 4 failures since 2000

banks

Banking in Nebraska — What the FDIC Data Shows

Nebraska is home to 142 FDIC-insured banks holding a combined $114.3B in total assets and $94.9B in customer deposits. The average PlainBankData health score across all Nebraska banks is 43/100, derived from four FDIC Call Report metrics: Tier 1 Capital Ratio, Return on Assets, Texas Ratio, and Efficiency Ratio. The largest institution headquartered in the state is First National Bank of Omaha of Omaha, with $34.6B in assets and a health grade of B.

Looking at the grade distribution, 29 banks (20%) earn an A or B grade — signaling strong capital ratios and healthy profitability — while 26 sit at Grade C (meeting regulatory minimums with some areas to monitor) and 87 (61%) carry a D or F grade, indicating notable financial weaknesses in one or more of the four scoring pillars. Since 2000, Nebraska has seen 4 bank failures tracked on the FDIC Failed Bank List. Most of those failures clustered during the 2008–2010 financial crisis, with resolution typically handled through acquisition by a stronger institution.

Not financial advice. These figures are drawn from public FDIC Call Reports and the FDIC Failed Bank List. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or endorsements. A lower grade does not mean your money is at risk — every dollar on deposit at any FDIC-insured bank is protected up to $250,000 per depositor, per ownership category, regardless of the institution's financial condition. For decisions about where to hold deposits or business funds, consult a qualified financial professional and verify figures directly at the FDIC's BankFind Suite.

Bank	City	Assets	Grade	Tier 1 %	ROA
First National Bank of Omaha	Omaha	$34.6B	B	11.6%	1.51%
Union Bank and Trust Company	Lincoln	$9.1B	B	12.4%	1.60%
Pinnacle Bank	Lincoln	$8.9B	B	12.4%	1.26%
American National Bank	Omaha	$5.2B	B	12.9%	1.32%
Cornerstone Bank	York	$2.8B	F	0.0%	1.11%
Security First Bank	Lincoln	$2.2B	C	11.3%	0.90%
Five Points Bank	Grand Island	$2.1B	B	13.8%	1.47%
Security National Bank of Omaha	Omaha	$1.7B	C	13.3%	1.28%
Exchange Bank	Kearney	$1.6B	D	0.0%	1.83%
Elkhorn Valley Bank & Trust	Norfolk	$1.4B	B	12.6%	1.16%
West Gate Bank	Lincoln	$1.4B	F	0.0%	0.94%
Adams Bank & Trust	Ogallala	$1.3B	F	0.0%	1.21%
Midwest Bank	Pierce	$1.3B	C	11.1%	0.86%
BankFirst	Norfolk	$1.2B	A	18.6%	2.05%
Platte Valley Bank	Scottsbluff	$1.2B	F	0.0%	1.23%
Dayspring Bank	Gothenburg	$1.2B	F	0.0%	0.87%
First State Bank Nebraska	Lincoln	$1.1B	C	11.5%	1.39%
Core Bank	Omaha	$1.1B	D	11.6%	0.57%
FirsTier Bank	Kimball	$1.1B	C	12.8%	0.34%
Cornhusker Bank	Lincoln	$1.0B	C	12.7%	1.05%
Farmers and Merchants Bank	Milford	$988M	B	22.2%	0.89%
Nebraskaland Bank	North Platte	$986M	F	0.0%	0.39%
Access Bank	Omaha	$954M	C	11.6%	1.12%
Heartland Bank	Geneva	$940M	D	0.0%	1.64%
Dundee Bank	Omaha	$903M	D	0.0%	1.93%
Bruning Bank	Bruning	$680M	F	0.0%	0.88%
Arbor Bank	Nebraska City	$659M	C	10.9%	1.07%
Citizens State Bank	Wisner	$640M	C	11.9%	1.19%
Henderson State Bank	Henderson	$635M	D	0.0%	1.64%
Washington County Bank	Blair	$629M	A	15.1%	1.71%
Madison County Bank	Madison	$626M	B	17.5%	1.07%
MNB BANK	Mccook	$595M	F	0.0%	0.88%
Heritage Bank	Wood River	$594M	D	0.0%	2.57%
Enterprise Bank	Omaha	$579M	C	13.2%	0.91%
RVR Bank	Fremont	$557M	F	0.0%	1.74%
Riverstone Bank	Eagle	$553M	D	0.0%	1.81%
Bank of the Valley	Bellwood	$543M	D	11.7%	0.71%
Home Federal Savings and Loan Association of Grand Island	Grand Island	$536M	C	16.3%	0.95%
Homestead Bank	Cozad	$522M	D	0.0%	1.59%
Five Points Bank of Hastings	Hastings	$521M	F	0.0%	0.64%
Equitable Bank	Grand Island	$516M	C	12.6%	0.64%
Horizon Bank	Waverly	$511M	B	13.6%	2.67%
CHARTER WEST BANK	West Point	$508M	F	0.0%	1.37%
First Northeast Bank of Nebraska	Lyons	$481M	D	0.0%	1.44%
Nebraska Bank	Dodge	$479M	F	0.0%	1.26%
FirstBank of Nebraska	Wahoo	$476M	D	0.0%	1.64%
Cattle Bank and Trust	Seward	$426M	D	0.0%	1.65%
JONES BANK	Seward	$419M	F	0.0%	1.35%
Waypoint Bank	Cozad	$411M	B	12.2%	1.61%
Sandhills State Bank	North Platte	$393M	C	10.7%	1.37%
First Westroads Bank, Inc.	Omaha	$391M	F	0.0%	1.46%
Lincoln FSB of Nebraska	Lincoln	$388M	D	18.4%	0.15%
F&M Bank	West Point	$377M	F	0.0%	1.64%
Great Plains State Bank	Petersburg	$369M	F	0.0%	0.90%
Banner Capital Bank	Harrisburg	$369M	B	12.2%	2.11%
The First National Bank of Gordon	Gordon	$364M	A	36.8%	3.01%
First Nebraska Bank	Valley	$352M	F	0.0%	1.32%
Pathway Bank	Cairo	$346M	F	0.0%	1.22%
Flatwater Bank	Gothenburg	$342M	F	0.0%	1.49%
Premier Bank National Association	Omaha	$337M	F	0.0%	0.95%
First Community Bank	Beemer	$337M	C	10.6%	0.94%
City Bank & Trust Co.	Lincoln	$334M	F	0.0%	1.17%
Security Bank	Laurel	$321M	B	15.3%	1.22%
Nebraska State Bank and Trust Company	Broken Bow	$285M	B	13.2%	1.75%
Columbus Bank and Trust Company	Columbus	$279M	F	0.0%	1.46%
Auburn State Bank	Auburn	$255M	F	0.0%	1.01%
Citizens Bank & Trust Company	Saint Paul	$252M	F	0.0%	0.81%
State Nebraska Bank & Trust	Wayne	$250M	C	13.7%	0.83%
Commercial State Bank	Wausa	$246M	D	0.0%	1.69%
Western National Bank	Chester	$245M	C	11.9%	1.23%
The Tri-County Bank	Stuart	$244M	F	0.0%	0.75%
Adams County Bank	Kenesaw	$240M	B	15.6%	1.41%
Town & Country Bank	Ravenna	$237M	D	0.0%	1.62%
First State Bank	Loomis	$230M	B	13.2%	1.62%
Nebraska Bank of Commerce	Lincoln	$226M	C	11.8%	0.76%
Farmers and Merchants State Bank, Bloomfield, Nebraska	Bloomfield	$219M	B	14.6%	1.70%
I3 Bank	Bennington	$218M	D	10.5%	0.60%
First State Bank	Farnam	$207M	F	0.0%	1.44%
South Central State Bank	Campbell	$205M	B	13.8%	2.10%
Farmers and Merchants Bank	Milligan	$205M	B	13.4%	1.64%
United Republic Bank	Elkhorn	$197M	F	0.0%	-1.38%
York State Bank	York	$194M	A	16.9%	1.74%
Western Nebraska Bank	Curtis	$193M	F	0.0%	1.19%
Minden Exchange Bank & Trust Company	Minden	$190M	D	0.0%	1.54%
Foundation One Bank	Waterloo	$178M	F	0.0%	0.44%
Cedar Rapids State Bank	Cedar Rapids	$175M	B	12.5%	1.08%
Brunswick State Bank	Brunswick	$171M	F	0.0%	0.97%
First National Bank in Ord	Ord	$160M	B	22.7%	1.66%
Bank of Hartington	Hartington	$155M	C	10.2%	1.18%
Legends West Bank	Lewellen	$149M	F	0.0%	0.40%
First Central Bank	Cambridge	$144M	C	13.4%	0.96%
Farmers and Merchants Bank of Ashland	Ashland	$144M	F	0.0%	1.09%
State Bank of Table Rock	Table Rock	$143M	F	0.0%	1.25%
Hershey Bank	Hershey	$139M	F	0.0%	1.27%
West Plains Bank	Ainsworth	$137M	F	0.0%	1.31%
American Interstate Bank	Elkhorn	$134M	D	0.0%	4.23%
Bank of Dixon County	Ponca	$133M	B	21.8%	1.61%
F&M Bank	Falls City	$130M	F	0.0%	1.29%
First Central Bank McCook	Mccook	$127M	C	13.7%	0.56%
Custer Federal State Bank	Broken Bow	$126M	F	0.0%	0.88%
Countryside Bank	Unadilla	$117M	F	0.0%	0.96%
Wahoo State Bank	Wahoo	$114M	C	12.7%	0.71%
First Bank and Trust of Fullerton	Fullerton	$111M	F	0.0%	0.98%
Platte Valley Bank	North Bend	$105M	F	0.0%	1.02%
Bank of Lindsay	Lindsay	$102M	D	10.7%	0.74%
First Bank and Trust Company	Minden	$94M	C	18.4%	0.91%
The First National Bank of Johnson	Johnson	$93M	F	0.0%	0.23%
Scribner Bank	Scribner	$92M	F	0.0%	2.33%
Thayer County Bank	Hebron	$90M	F	0.0%	0.92%
Siouxland Bank	South Sioux City	$87M	A	36.1%	1.65%
Bank of Elgin	Elgin	$86M	D	0.0%	2.14%
Chambers State Bank	Chambers	$86M	D	0.0%	1.86%
First Bank of Utica	Utica	$80M	F	0.0%	0.96%
First State Bank	Randolph	$80M	F	0.0%	1.45%
Clarkson Bank	Clarkson	$79M	F	0.0%	1.31%
CerescoBank	Ceresco	$77M	F	0.0%	0.94%
Commercial State Bank	Republican City	$75M	F	0.0%	0.61%
First Tri County Bank	Swanton	$74M	F	0.0%	0.46%
Nebraska State Bank	Oshkosh	$71M	D	0.0%	3.95%
Genoa Community Bank	Genoa	$71M	B	15.1%	1.35%
American Exchange Bank	Elmwood	$70M	D	0.0%	2.19%
Adams State Bank	Adams	$70M	F	0.0%	1.02%
Bank of Clarks	Clarks	$62M	D	10.8%	0.35%
Generations Bank	Exeter	$62M	F	0.0%	0.86%
Stanton State Bank	Stanton	$61M	C	15.0%	0.59%
Cedar Security Bank	Fordyce	$60M	F	0.0%	1.46%
Commercial Bank	Nelson	$60M	B	17.4%	1.07%
Butte State Bank	Butte	$58M	F	0.0%	0.95%
State Bank of Scotia	Scotia	$58M	C	33.3%	0.45%
Battle Creek State Bank	Battle Creek	$54M	C	22.6%	0.60%
The Potter State Bank of Potter	Potter	$54M	F	0.0%	1.08%
Tecumseh Federal Bank	Tecumseh	$53M	F	0.0%	0.16%
Sidney Federal Savings and Loan Association	Sidney	$51M	F	0.0%	1.47%
Bank of Prague	Prague	$46M	D	0.0%	2.43%
First State Bank	Hordville	$44M	F	0.0%	0.50%
Bank of Mead	Mead	$38M	F	0.0%	0.82%
Corn Growers State Bank	Murdock	$37M	C	15.1%	0.57%
Citizens State Bank	Carleton	$36M	F	0.0%	0.89%
Boelus State Bank	Boelus	$23M	B	40.6%	1.19%
Nebraska State Bank	Bristow	$22M	F	0.0%	1.06%
Nebraska State Bank	Lynch	$21M	F	0.0%	0.46%
The Bank of Steinauer	Steinauer	$19M	D	14.7%	0.31%

How to Read the Nebraska Bank Directory

This page lists every FDIC-insured bank with a primary regulatory address in Nebraska. Inclusion does not depend on charter type — both state-chartered and nationally-chartered banks appear here when the FDIC institution directory places their headquarters in this state. Branch locations, ATM networks, and credit unions are NOT in scope; this is a headquarters-anchored view. The 142 institutions shown reflect the most recent quarterly FDIC release; counts will change at each refresh as institutions merge, are acquired, or close.

Health Grade Interpretation

Each bank's letter grade (A through F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Grades are relative — every quarter we recompute thresholds against the full FDIC universe, so a "B" today may have been an "A" last cycle if the median improved. Across Nebraska, 29 institutions (20%) currently sit in the A or B band, while 87 (61%) fall in the D or F band. The C cluster — the broad middle — typically captures roughly half of any state's banks and is not a warning signal on its own.

What State Concentration Tells You

Banks register their headquarters in Nebraska for several distinct reasons: regional community service (the bulk of small community banks), favorable trust law (a handful of states attract large national fiduciary operations), regulatory familiarity, or historic charter inheritance. A high concentration of total assets in a single state — South Dakota, Delaware, and Ohio are well-known examples — usually reflects a few very large institutions choosing the state for tax or regulatory reasons, not breadth of local banking competition. Below the top of the table, the long tail of mid-sized and community banks gives a clearer picture of local market structure.

When Failures Matter

Since 2000, 4 banks headquartered in Nebraska have failed. Every depositor at those banks was made whole up to the standard FDIC insurance ceiling (currently $250,000 per depositor, per ownership category, per institution). Bank failures cluster around macro events (the 2008-2010 wave, the regional bank stress of 2023) rather than steady attrition, so a clean recent record at the state level does not imply state-level safety — it usually reflects the absence of a triggering shock. The "Under Stress" ranking is more useful for forward-looking comfort than the historical failure count, because it scores current capital and credit-loss capacity.

Sources, Refresh Cadence, and Corrections

Every figure on this page derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both of which are public-domain government datasets. We re-pull the data on the FDIC's schedule (a quarterly release plus monthly institution-directory delta files for merger and closure events). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by approximately ninety days — this is the FDIC's reporting lag, not ours. If a specific bank record looks wrong (renaming, merger, missing fields), the contact page accepts corrections; we reconcile them against the source feed at the next refresh.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial

Reviewed byPlainbankdata Editorial, Us Bank Financial Editorial Team · June 4, 2026