NEBRASKA STATE BANK

LYNCH, NE | Micro | Est. Dec. 9, 1946, midnight | FDIC #16516 | RSSD #514057 | FDIC
Latest Report: 2025-12-31

NEBRASKA STATE BANK is amn micro FDIC-insured commercial bank headquartered in LYNCH, NE, established in Dec. 9, 1946, midnight. As of 2025-12-31, the bank reported total assets of $21M and total deposits of $18M. Profitability stands at 0.58% ROA and 4.12% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 13.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.70% and a Texas Ratio of 9.13%. FDIC Certificate #16516.

Assets

$21M

Deposits

$18M

Loans

$8M

Equity

$3M

Profitability

Return on Assets (ROA) 0.58%
Return on Equity (ROE) 4.12%
Net Interest Margin (NIM) 3.72%
Yield on Assets 4.86%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 3.70%
Net Charge-Off Ratio -0.01%
Texas Ratio 9.13%
NPA Ratio 1.34%
ACL / Loans 1.89%

Capital & Liquidity

CET1 Ratio 13.99%
Tier 1 Capital 13.99%
Total Capital Ratio 14.69%
Leverage Ratio 14.10%
Loan-to-Deposit 42.25%

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