Bank of Dixon County
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Data as of · sourced from FFIEC call reports. How we update
Bank of Dixon County is an FDIC-insured commercial bank headquartered in Ponca, NE, established in 1881 (FDIC certificate 14912), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $141.7M, up 10.4% from Q2 2025, the 92nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 21.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14912
- Headquarters
- Ponca, NE
- Established
- 1881
- Total assets, Q2 2026
- $141.7M
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 21.22%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104102613
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Dixon County call report
- Holding company
- KINGSBURY BDC FINANCIAL SERVICES, INC.
- Asset rank in state
- 92nd of 138 in Nebraska
Bank of Dixon County, based in Ponca, Nebraska, reported $142 million in assets at June 30, 2026, up 10.4% from a year earlier. It holds commercial real estate loans equal to only 19% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 44 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Its $12 million commercial and industrial book is improving, with 15.11% past due or on nonaccrual, down from 17.87% a year earlier. Earnings jumped: net income for the quarter was $668,000, 37% above the same quarter a year earlier. Credit is the area to watch: it carries problem assets equal to 9.8% of the capital and reserves that would absorb them, 3.7 times the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Dixon County reported a CET1 capital ratio of 21.22%, a return on assets of 1.83%, a nonperforming-loan ratio of 2.04% and a Texas ratio of 9.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Dixon County is the 92nd largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $141.7M, loans rose 6.6% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 32.1% of total loans, ahead of 1-4 family residential loans at 25.4%. Its 3 offices in the FDIC Summary of Deposits are in Ponca, NE, New Castle, NE and Jackson, NE; its Ponca office books 76% of its branch deposits. On its Q2 2026 call report, Bank of Dixon County meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 117 E 3rd St, Ponca, NE 68770
- County
- Dixon
- 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 051
- Established
- January 1, 1881
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $121.6M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $146.3M
- Average total loans
- $93.0M
- Average interest-bearing deposits
- $97.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 1934
- FDIC Cert
- 14912
- Fed RSSD
- 920359
- Website
- www.bankofdc.com →
- Parent Holding Company
- KINGSBURY BDC FINANCIAL SERVICES, INC. (RSSD 2467942)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Dixon County's total assets ran between $120.5M (Q3 2023) and $141.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$141.7M total assets against $128.4M; $123.0M total liabilities against $111.6M.
$94.6M net loans and leases against $88.8M; $121.6M total deposits against $110.3M.
$21.6M securities against $19.3M; $22.2M cash and balances due against $17.0M.
$2.0M total interest income against $1.9M; $599K total interest expense against $593K.
$1.4M net interest income against $1.3M.
$79K total noninterest income against $77K; $670K total noninterest expense against $703K.
$0 provision for credit losses against $34K.
$668K net income against $488K.
1.83% return on assets against 1.48%; 4.07% net interest margin against 3.99%.
21.22% CET1 capital ratio against 21.23%; 13.29% tier 1 leverage ratio against 13.50%.
Inside the full Bank of Dixon County terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Dixon County rankings
Its closest position to the top of a national ranking is 387 of 3,606, for efficiency ratio; its furthest is 3,349 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.35% (Q1 2026) to 2.08% (Q4 2024) and its net interest margin ran from 3.91% (Q1 2026) to 4.18% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.22% | 1.83% | 2.04% | 9.82% | 4.07% |
| Q1 2026 | 22.46% | 1.35% | 1.97% | 9.16% | 3.91% |
| Q4 2025 | 21.78% | 1.57% | 1.94% | 9.25% | 4.16% |
| Q3 2025 | 21.94% | 1.76% | 2.03% | 9.80% | 4.10% |
| Q2 2025 | 21.23% | 1.48% | 2.47% | 12.40% | 3.99% |
| Q1 2025 | 21.49% | 1.61% | 2.58% | 12.76% | 3.97% |
| Q4 2024 | 20.56% | 2.08% | 2.54% | 13.21% | 4.18% |
| Q3 2024 | 19.56% | 1.43% | 3.48% | 18.82% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Dixon County (main office) | Ponca , NE | 68770 | $93.0M |
| 412 Main Street Branch | New Castle , NE | 68757 | $20.2M |
| Jackson Branch | Jackson , NE | 68743 | $8.4M |
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 |
|---|---|---|---|
| September 7, 1996 | Structure Change | Acquired American State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 103 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $61K approved, $61K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Dixon County
What are Bank of Dixon County's total assets?
As of the Q2 2026 filing, Bank of Dixon County reported total assets of $141.7 million in its FFIEC call report.
Where is Bank of Dixon County headquartered?
It is headquartered in Ponca, NE, United States.
When was Bank of Dixon County founded?
It was established in 1881, per the FDIC institution directory.
Is Bank of Dixon County FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Dixon County?
Bank of Dixon County's primary federal regulator is the FDIC.
What is Bank of Dixon County's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Dixon County operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Dixon County's Texas Ratio?
Its Texas Ratio is 9.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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