CATTLE BANK & TRUST

SEWARD, NE | Small | Est. June 1, 1873, midnight | FDIC #5472 | RSSD #529659 | FDIC
Latest Report: 2025-12-31

CATTLE BANK & TRUST is asn small FDIC-insured commercial bank headquartered in SEWARD, NE, established in June 1, 1873, midnight. As of 2025-12-31, the bank reported total assets of $426M and total deposits of $344M. Profitability stands at 1.47% ROA and 13.24% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 11.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.67%. FDIC Certificate #5472.

Assets

$426M

Deposits

$344M

Loans

$325M

Equity

$48M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 13.24%
Net Interest Margin (NIM) 3.93%
Yield on Assets 6.14%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.67%
NPA Ratio 0.20%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 11.22%
Tier 1 Capital 11.22%
Total Capital Ratio 11.78%
Leverage Ratio 12.05%
Loan-to-Deposit 94.44%

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