DAYSPRING BANK

GOTHENBURG, NE | Large | Est. Jan. 1, 1906, midnight | FDIC #13622 | RSSD #151957 | FDIC
Latest Report: 2025-12-31

DAYSPRING BANK is aln large FDIC-insured commercial bank headquartered in GOTHENBURG, NE, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $920M. Profitability stands at 1.18% ROA and 11.40% ROE, with a net interest margin of 2.75%. The bank's CET1 capital ratio is 9.39%. Asset quality metrics show a non-performing loan ratio of 1.26% and a Texas Ratio of 8.28%. FDIC Certificate #13622.

Assets

$1.2B

Deposits

$920M

Loans

$809M

Equity

$121M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 11.40%
Net Interest Margin (NIM) 2.75%
Yield on Assets 6.19%
Cost of Funds 5.17%

Asset Quality

NPL Ratio 1.26%
Net Charge-Off Ratio 0.69%
Texas Ratio 8.28%
NPA Ratio 0.94%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 9.39%
Tier 1 Capital 9.39%
Total Capital Ratio 9.86%
Leverage Ratio 10.49%
Loan-to-Deposit 87.92%

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