CEDAR SECURITY BANK

FORDYCE, NE | Micro | Est. Sept. 4, 1984, midnight | FDIC #25591 | RSSD #550653 | FDIC
Latest Report: 2025-12-31

CEDAR SECURITY BANK is amn micro FDIC-insured commercial bank headquartered in FORDYCE, NE, established in Sept. 4, 1984, midnight. As of 2025-12-31, the bank reported total assets of $60M and total deposits of $48M. Profitability stands at 1.18% ROA and 6.62% ROE, with a net interest margin of 4.95%. The bank's CET1 capital ratio is 17.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.54%. FDIC Certificate #25591.

Assets

$60M

Deposits

$48M

Loans

$34M

Equity

$11M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 6.62%
Net Interest Margin (NIM) 4.95%
Yield on Assets 5.95%
Cost of Funds 1.62%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 1.21%
Texas Ratio 0.54%
NPA Ratio 0.10%
ACL / Loans 2.32%

Capital & Liquidity

CET1 Ratio 17.86%
Tier 1 Capital 17.86%
Total Capital Ratio 18.76%
Leverage Ratio 17.98%
Loan-to-Deposit 71.60%

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