Bank of Steinauer
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Data as of · sourced from FFIEC call reports. How we update
Bank of Steinauer is an FDIC-insured commercial bank headquartered in Steinauer, NE, established in 1888 (FDIC certificate 10635), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $19.0M, down 16.4% from Q2 2025, the 138th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 15.29% 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
- 10635
- Headquarters
- Steinauer, NE
- Established
- 1888
- Total assets, Q2 2026
- $19.0M
- Assets vs Q2 2025
- -16.4%
- CET1 ratio, Q2 2026
- 15.29%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104908723
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Steinauer call report
- Holding company
- STEINAUER BANCORP
- Asset rank in state
- 138th of 138 in Nebraska
Bank of Steinauer operates with a thinner capital cushion than most banks of its size. Based in Steinauer, Nebraska, it had $19 million in assets at June 30, 2026, down 16.4% from a year earlier. It funds 7.89% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it 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%).
Loans and deposits moved in opposite directions: over the year loans rose 12.9% and deposits fell 21.0%.
As of June 30, 2026, Bank of Steinauer reported a CET1 capital ratio of 15.29%, a return on assets of 1.02%, 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.
Of the 138 banks headquartered in Nebraska, Bank of Steinauer is the smallest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 25.0% to $19.0M, loans rose 13.3% and deposits fell 29.8%. 1-4 family residential loans made up 44.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 17.8%. Its one office in the FDIC Summary of Deposits is in Steinauer, NE. On its Q2 2026 call report, Bank of Steinauer meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 Main St, Steinauer, NE 68441
- County
- Pawnee
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 28, 1888
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $16.5M
- Allowance for credit losses
- $75K
- Net charge-offs (YTD)
- $0
- Average total assets
- $24.4M
- Average total loans
- $12.1M
- Average interest-bearing deposits
- $12.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10635
- Fed RSSD
- 384353
- Website
- www.bankofsteinauer.com →
- Parent Holding Company
- STEINAUER BANCORP (RSSD 2847665)
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
From Q3 2023 to Q2 2026, Bank of Steinauer's total assets ranged from $16.1M (Q3 2023) to $25.4M (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$19.0M total assets against $22.8M; $17.1M total liabilities against $20.9M.
$13.0M net loans and leases against $11.5M; $16.5M total deposits against $20.9M.
$500K securities against $1.8M; $4.8M cash and balances due against $8.8M.
$322K total interest income against $306K; $65K total interest expense against $64K.
$257K net interest income against $242K.
$10K total noninterest income against $10K; $205K total noninterest expense against $180K.
No provision recorded in the last 12 quarters.
$62K net income against $66K.
1.02% return on assets against 1.15%; 4.39% net interest margin against 4.39%.
15.29% CET1 capital ratio; 7.89% tier 1 leverage ratio against 8.18%.
Inside the full Bank of Steinauer terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.05% (Q4 2025) to 1.30% (Q1 2025) and its net interest margin ran from 3.80% (Q3 2024) to 4.50% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.29% | 1.02% | 0.00% | 0.00% | 4.39% |
| Q1 2026 | 14.88% | 0.84% | 0.00% | 0.00% | 4.06% |
| Q4 2025 | 14.73% | -2.05% | 0.00% | 0.00% | 4.50% |
| Q3 2025 | 16.31% | 0.81% | 0.00% | 0.00% | 4.43% |
| Q2 2025 | — | 1.15% | 0.00% | 0.00% | 4.39% |
| Q1 2025 | — | 1.30% | 0.00% | 0.00% | 3.94% |
| Q4 2024 | — | -0.72% | 0.00% | 0.00% | 4.17% |
| Q3 2024 | — | 0.86% | 0.00% | 0.00% | 3.80% |
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 |
|---|---|---|---|
| The Bank of Steinauer | Steinauer , NE | 68441 | $16.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 159 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $18K approved, $18K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (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 Steinauer
What are Bank of Steinauer's total assets?
As of the Q2 2026 filing, Bank of Steinauer reported total assets of $19.0 million in its FFIEC call report.
Where is Bank of Steinauer headquartered?
It is headquartered in Steinauer, NE, United States.
When was Bank of Steinauer founded?
It was established in 1888, per the FDIC institution directory.
Is Bank of Steinauer FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10635). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Steinauer?
Bank of Steinauer's primary federal regulator is the FDIC.
What is Bank of Steinauer's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.29% 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 Steinauer 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 Steinauer'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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