Bank of Elgin
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Data as of · sourced from FFIEC call reports. How we update
Bank of Elgin is an FDIC-insured commercial bank headquartered in Elgin, NE, established in 1935 (FDIC certificate 16154), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $87.3M, up 10.2% from Q2 2025, the 110th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16154
- Headquarters
- Elgin, NE
- Established
- 1935
- Total assets, Q2 2026
- $87.3M
- Assets vs Q2 2025
- +10.2%
- Tier 1 leverage ratio, Q2 2026
- 13.52%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104113327
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Elgin call report
- Holding company
- ANTELOPE BANCSHARES, INC.
- Asset rank in state
- 110th of 138 in Nebraska
Bank of Elgin runs leaner than most banks of its size. It reported $87 million in assets at June 30, 2026, up 10.2% from a year earlier. It spends about 45 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 69 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Earnings jumped: net income for the quarter was $546,000, 33% above the same quarter a year earlier. Over the same year, loans grew 5.6% and deposits grew 13.4%.
As of June 30, 2026, Bank of Elgin reported a return on assets of 2.54%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Bank of Elgin ranks as the 110th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.9% to $87.3M, loans rose 3.9% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 46.1% of total loans, followed by agricultural production loans at 41.8%. Its one office in the FDIC Summary of Deposits is in Elgin, NE. Judged on its Q2 2026 call report, Bank of Elgin meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 N 2nd St, Elgin, NE 68636
- County
- Antelope
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 27, 1935
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $74.7M
- Allowance for credit losses
- $780K
- Net charge-offs (YTD)
- $0
- Average total assets
- $85.9M
- Average total loans
- $56.6M
- Average interest-bearing deposits
- $54.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1944
- FDIC Cert
- 16154
- Fed RSSD
- 485054
- Website
- www.bankofelgin.com →
- Parent Holding Company
- ANTELOPE BANCSHARES, INC. (RSSD 2510183)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of Elgin reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Elgin's total assets ranged from $73.3M (Q3 2023) to $88.1M (Q4 2024), 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
$87.3M total assets against $79.2M; $75.2M total liabilities against $68.0M.
$57.3M net loans and leases against $54.3M; $74.7M total deposits against $65.8M.
$16.4M securities against $14.7M; $10.3M cash and balances due against $7.0M.
$1.2M total interest income against $1.1M; $259K total interest expense against $249K.
$913K net interest income against $818K.
$77K total noninterest income against $76K; $444K total noninterest expense against $468K.
$0 provision for credit losses against $15K.
$546K net income against $411K.
2.54% return on assets against 2.10%; 4.47% net interest margin against 4.33%.
13.52% tier 1 leverage ratio against 13.93%.
Inside the full Bank of Elgin terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.00% (Q1 2025) to 2.54% (Q2 2026) and its net interest margin ran from 3.85% (Q3 2024) to 4.47% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.52% | 2.54% | 0.00% | 0.00% | 4.47% |
| Q1 2026 | 13.49% | 2.20% | 0.00% | 0.00% | 4.37% |
| Q4 2025 | 14.19% | 2.23% | 0.00% | 0.00% | 4.47% |
| Q3 2025 | 14.26% | 2.44% | 0.00% | 0.00% | 4.47% |
| Q2 2025 | 13.93% | 2.10% | 0.00% | 0.00% | 4.33% |
| Q1 2025 | 12.96% | 2.00% | 0.00% | 0.00% | 4.21% |
| Q4 2024 | 13.82% | 2.33% | 0.00% | 0.00% | 4.24% |
| Q3 2024 | 13.52% | 2.35% | 0.00% | 0.00% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Elgin (main office) | Elgin , NE | 68636 | $74.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 119 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Elgin
What are Bank of Elgin's total assets?
As of the Q2 2026 filing, Bank of Elgin reported total assets of $87.3 million in its FFIEC call report.
Where is Bank of Elgin headquartered?
It is headquartered in Elgin, NE, United States.
When was Bank of Elgin founded?
It was established in 1935, per the FDIC institution directory.
Is Bank of Elgin FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Elgin?
Bank of Elgin's primary federal regulator is the Federal Reserve.
How many branches does Bank of Elgin operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Elgin's Texas Ratio?
Its Texas Ratio is 0.00% 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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