Bank of Prague
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Data as of · sourced from FFIEC call reports. How we update
Bank of Prague is an FDIC-insured commercial bank headquartered in Prague, NE, established in 1906 (FDIC certificate 12745), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $48.5M, up 12.3% from Q2 2025, the 130th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.15% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12745
- Headquarters
- Prague, NE
- Established
- 1906
- Total assets, Q2 2026
- $48.5M
- Assets vs Q2 2025
- +12.3%
- Tier 1 leverage ratio, Q2 2026
- 11.15%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104905166
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Prague call report
- Holding company
- PRAGUE COMPANY
- Asset rank in state
- 130th of 138 in Nebraska
Problem loans are rising at Bank of Prague. It reported $48 million in assets at June 30, 2026, up 12.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.22% of loans from 0.14% a year earlier. It grew deposits 13.1% over the year, 5.3 times the median of 2.5% for the 583 banks with less than $100 million in assets. It also keeps 4.90 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.87 cents).
Its $8.8 million commercial and industrial book is improving, with 3.98% past due or on nonaccrual, down from 5.59% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.5% of the capital and reserves that would absorb them, 5.4 times the median of 1.4% for banks its size.
As of June 30, 2026, Bank of Prague reported a return on assets of 1.07%, a nonperforming-loan ratio of 1.22% and a Texas ratio of 7.48%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Bank of Prague is the 130th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $48.5M, loans rose 5.0% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 36.2% of total loans, ahead of commercial and industrial loans at 25.3%. Its one office in the FDIC Summary of Deposits is in Prague, NE. By the capital ratios in its Q2 2026 call report, Bank of Prague meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 316 W Center Ave, Prague, NE 68050
- County
- Saunders
- Metro Area
- Omaha, NE-IA
- 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, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $43.0M
- Allowance for credit losses
- $339K
- Net charge-offs (YTD)
- $0
- Average total assets
- $48.7M
- Average total loans
- $34.2M
- Average interest-bearing deposits
- $35.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12745
- Fed RSSD
- 858452
- Website
- www.bankofprague1.com →
- Parent Holding Company
- PRAGUE COMPANY (RSSD 1050730)
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 Prague 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 Prague's total assets ranged from $38.1M (Q3 2023) to $48.6M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$48.5M total assets against $43.2M; $43.1M total liabilities against $38.1M.
$34.4M net loans and leases against $29.8M; $43.0M total deposits against $38.0M.
$6.5M securities against $6.0M; $6.7M cash and balances due against $6.5M.
$791K total interest income against $713K; $216K total interest expense against $196K.
$575K net interest income against $517K.
$200K total noninterest income against $166K; $645K total noninterest expense against $610K.
$0 provision for credit losses against $100K.
$130K net income against -$27K.
1.07% return on assets against -0.25%; 4.90% net interest margin against 5.01%.
11.15% tier 1 leverage ratio against 12.13%.
Inside the full Bank of Prague terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.25% (Q2 2025) to 5.17% (Q3 2024) and its net interest margin ran from 4.78% (Q1 2026) to 5.20% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.15% | 1.07% | 1.22% | 7.48% | 4.90% |
| Q1 2026 | 11.78% | 3.46% | 0.72% | 4.08% | 4.78% |
| Q4 2025 | 12.33% | 2.25% | 0.83% | 4.79% | 4.97% |
| Q3 2025 | 12.51% | 3.99% | 0.74% | 4.18% | 4.89% |
| Q2 2025 | 12.13% | -0.25% | 0.14% | 0.77% | 5.01% |
| Q1 2025 | 12.59% | 3.57% | 0.57% | 3.04% | 4.96% |
| Q4 2024 | 13.39% | 3.24% | 0.53% | 3.01% | 5.13% |
| Q3 2024 | 13.67% | 5.17% | 0.56% | 2.96% | 5.20% |
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 Prague (main office) | Prague , NE | 68050 | $43.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 144 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (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 Prague
What are Bank of Prague's total assets?
As of the Q2 2026 filing, Bank of Prague reported total assets of $48.5 million in its FFIEC call report.
Where is Bank of Prague headquartered?
It is headquartered in Prague, NE, United States.
When was Bank of Prague founded?
It was established in 1906, per the FDIC institution directory.
Is Bank of Prague FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Prague?
Bank of Prague's primary federal regulator is the FDIC.
How many branches does Bank of Prague 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 Prague's Texas Ratio?
Its Texas Ratio is 7.48% 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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