BANK OF ELGIN

ELGIN, NE | Micro | Est. Aug. 27, 1935, midnight | FDIC #16154 | RSSD #485054 | FED
Latest Report: 2025-12-31

BANK OF ELGIN is amn micro FDIC-insured commercial bank headquartered in ELGIN, NE, established in Aug. 27, 1935, midnight. As of 2025-12-31, the bank reported total assets of $86M and total deposits of $74M. Profitability stands at 2.22% ROA and 15.31% ROE, with a net interest margin of 4.60%. The bank's CET1 capital ratio is 13.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #16154.

Assets

$86M

Deposits

$74M

Loans

$60M

Equity

$12M

Profitability

Return on Assets (ROA) 2.22%
Return on Equity (ROE) 15.31%
Net Interest Margin (NIM) 4.60%
Yield on Assets 5.99%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 13.14%
Tier 1 Capital 13.14%
Total Capital Ratio 13.80%
Leverage Ratio 14.19%
Loan-to-Deposit 82.00%

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