CEDAR RAPIDS STATE BANK

CEDAR RAPIDS, NE | Small | Est. May 25, 1936, midnight | FDIC #18820 | RSSD #1005851 | FDIC
Latest Report: 2025-12-31

CEDAR RAPIDS STATE BANK is asn small FDIC-insured commercial bank headquartered in CEDAR RAPIDS, NE, established in May 25, 1936, midnight. As of 2025-12-31, the bank reported total assets of $175M and total deposits of $156M. Profitability stands at 0.04% ROA and 0.38% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.59% and a Texas Ratio of 4.71%. FDIC Certificate #18820.

Assets

$175M

Deposits

$156M

Loans

$147M

Equity

$17M

Profitability

Return on Assets (ROA) 0.04%
Return on Equity (ROE) 0.38%
Net Interest Margin (NIM) 3.59%
Yield on Assets 6.78%
Cost of Funds 3.26%

Asset Quality

NPL Ratio 0.59%
Net Charge-Off Ratio 0.09%
Texas Ratio 4.71%
NPA Ratio 0.49%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.78%
Leverage Ratio 9.37%
Loan-to-Deposit 94.19%

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