Banner Capital Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Banner Capital Bank is one of the more profitable banks of its size. It reported $380 million in assets at June 30, 2026, up 6.8% from a year earlier. It earns about $2.12 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it holds common equity equal to 11.96% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
The non-owner-occupied commercial real estate book ($37 million) is worsening: 7.66% of it is past due or on nonaccrual, up from 1.55% a year earlier. Loans are outrunning deposits: over the year loans rose 11.1% and deposits rose 6.0%. Funding is the softer spot: it pays an average of 2.44% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Banner Capital Bank reported a CET1 capital ratio of 11.96%, a return on assets of 2.12%, a nonperforming-loan ratio of 1.31% and a Texas ratio of 9.53%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 205 State St, Harrisburg, NE 69345
- County
- Banner
- Metro Area
- Scottsbluff, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 10, 1964
- Offices
- 7 domestic
- Employees (FTE)
- 55
- Domestic deposits
- $335.2M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $372.4M
- Average total loans
- $306.8M
- Average interest-bearing deposits
- $274.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 10, 1964
- FDIC Cert
- 19274
- Fed RSSD
- 275255
- Website
- www.bcbank.net →
- Parent Holding Company
- BANNER COUNTY BAN CORPORATION (RSSD 1067028)
- Ultimate Parent
- RSSD 4437426
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.96% | 2.12% | 0.53% | 9.53% | 4.62% |
| Q1 2026 | 12.20% | 1.64% | 0.60% | 5.87% | 4.43% |
| Q4 2025 | 12.19% | 2.67% | 0.57% | 5.36% | 5.13% |
| Q3 2025 | 12.10% | 1.97% | 1.57% | 14.62% | 4.56% |
| Q2 2025 | 12.28% | 1.97% | 1.62% | 15.11% | 4.45% |
| Q1 2025 | 12.13% | 1.80% | 1.55% | 18.58% | 4.34% |
| Q4 2024 | 11.76% | 1.71% | 1.66% | 17.27% | 4.14% |
| Q3 2024 | 11.24% | 2.11% | 0.84% | 8.10% | 4.52% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cheyenne Branch | Cheyenne , WY | 82001 | $104.6M |
| Lusk Branch | Lusk , WY | 82225 | $79.2M |
| Banner Capital Bank-Beaver City | Beaver City , NE | 68926 | $53.9M |
| Banner Capital Bank (main office) | Harrisburg , NE | 69345 | $36.8M |
| Guernsey Branch | Guernsey , WY | 82214 | $29.4M |
| Banner Capital Bank - Alma Branch | Alma , NE | 68920 | $28.8M |
| Banner Capital Bank - Kimball Branch | Kimball , NE | 69145 | $2.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 22, 2023 | Structure Change | Acquired Lusk State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Structure Change | Acquired Oregon Trail Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 5, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 5, 2011 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Banner Capital Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in NE, rank 102 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14 applications, 11 loans originated, $3.0M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $138K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Banner Capital Bank
What are Banner Capital Bank's total assets?
As of the Q2 2026 filing, Banner Capital Bank reported total assets of $379.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banner Capital Bank headquartered?
Banner Capital Bank is headquartered in Harrisburg, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Banner Capital Bank founded?
Banner Capital Bank was established in 1964, per the FDIC institution directory.
Is Banner Capital Bank FDIC-insured?
Yes. Banner Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #19274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banner Capital Bank?
Banner Capital Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Banner Capital Bank's CET1 capital ratio?
Banner Capital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.96% in its Q2 2026 call report, above regulatory requirements.
How many branches does Banner Capital Bank operate?
Banner Capital Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banner Capital Bank's Texas Ratio?
Banner Capital Bank's Texas Ratio is 9.53% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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