Banner Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Banner Capital Bank is an FDIC-insured commercial bank headquartered in Harrisburg, NE, established in 1964 (FDIC certificate 19274), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $379.8M, up 6.8% from Q2 2025, the 53rd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.96% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19274
- Headquarters
- Harrisburg, NE
- Established
- 1964
- Total assets, Q2 2026
- $379.8M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 11.96%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 104101258
- Latest call report
- Q2 2026, FFIEC 041 · Banner Capital Bank call report
- Holding company
- BANNER COUNTY BAN CORPORATION
- Asset rank in state
- 53rd of 138 in Nebraska
Banner Capital Bank is one of the more profitable banks of its size. It reported $380 million in assets at June 30, 2026, up 6.8% from a year earlier. It earns about $2.12 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it holds common equity equal to 11.96% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
The non-owner-occupied commercial real estate book ($37 million) is worsening: 7.66% of it is past due or on nonaccrual, up from 1.55% a year earlier. Loans are outrunning deposits: over the year loans rose 11.1% and deposits rose 6.0%. Funding is the softer spot: it pays an average of 2.44% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Banner Capital Bank reported a CET1 capital ratio of 11.96%, a return on assets of 2.12%, a nonperforming-loan ratio of 1.31% and a Texas ratio of 9.53%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Banner Capital Bank is the 53rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $379.8M, loans rose 4.6% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 28.4% of total loans, ahead of farmland and other real estate loans at 28.1%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities across 2 states; its Cheyenne office books 31% of its branch deposits. On its Q2 2026 call report, Banner Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 State St, Harrisburg, NE 69345
- County
- Banner
- Metro Area
- Scottsbluff, NE
- 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 041
- Established
- October 10, 1964
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $335.2M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $372.4M
- Average total loans
- $306.8M
- Average interest-bearing deposits
- $274.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 10, 1964
- FDIC Cert
- 19274
- Fed RSSD
- 275255
- Website
- www.bcbank.net →
- Parent Holding Company
- BANNER COUNTY BAN CORPORATION (RSSD 1067028)
- Ultimate Parent
- RSSD 4437426
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, Banner Capital Bank's total assets ran between $321.6M (Q3 2023) and $379.8M (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
$379.8M total assets against $355.4M; $338.6M total liabilities against $317.6M.
$307.0M net loans and leases against $276.1M; $335.2M total deposits against $316.1M.
$34.7M securities against $29.0M; $18.9M cash and balances due against $30.3M.
$6.1M total interest income against $5.7M; $2.0M total interest expense against $2.0M.
$4.1M net interest income against $3.8M.
$216K total noninterest income against $184K; $2.2M total noninterest expense against $2.0M.
$120K provision for credit losses against $220K.
$2.0M net income against $1.7M.
2.12% return on assets against 1.97%; 4.62% net interest margin against 4.45%.
11.96% CET1 capital ratio against 12.28%; 10.96% tier 1 leverage ratio against 10.78%.
Inside the full Banner Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBanner Capital Bank rankings
Its closest position to the top of a national ranking is 373 of 3,611, for ROA; its furthest is 1,722 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.64% (Q1 2026) to 2.67% (Q4 2025) and its net interest margin ran from 4.14% (Q4 2024) to 5.13% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.96% | 2.12% | 1.31% | 9.53% | 4.62% |
| Q1 2026 | 12.20% | 1.64% | 0.60% | 5.87% | 4.43% |
| Q4 2025 | 12.19% | 2.67% | 0.54% | 5.36% | 5.13% |
| Q3 2025 | 12.10% | 1.97% | 1.53% | 14.62% | 4.56% |
| Q2 2025 | 12.28% | 1.97% | 1.58% | 15.11% | 4.45% |
| Q1 2025 | 12.13% | 1.80% | 2.02% | 18.58% | 4.34% |
| Q4 2024 | 11.76% | 1.71% | 1.68% | 17.27% | 4.14% |
| Q3 2024 | 11.24% | 2.11% | 0.81% | 8.10% | 4.52% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Cheyenne Branch | Cheyenne , WY | 82001 | $104.6M |
| Lusk Branch | Lusk , WY | 82225 | $79.2M |
| Banner Capital Bank-Beaver City | Beaver City , NE | 68926 | $53.9M |
| Banner Capital Bank (main office) | Harrisburg , NE | 69345 | $36.8M |
| Guernsey Branch | Guernsey , WY | 82214 | $29.4M |
| Banner Capital Bank - Alma Branch | Alma , NE | 68920 | $28.8M |
| Banner Capital Bank - Kimball Branch | Kimball , NE | 69145 | $2.6M |
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 |
|---|---|---|---|
| April 22, 2023 | Structure Change | Acquired Lusk State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 21, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2018 | Structure Change | Acquired Oregon Trail Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 5, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 5, 2011 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 102 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14 applications, 11 loans originated, $3.0M originated, across 1 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $138K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Banner Capital Bank
What are Banner Capital Bank's total assets?
As of the Q2 2026 filing, Banner Capital Bank reported total assets of $379.8 million in its FFIEC call report.
Where is Banner Capital Bank headquartered?
It is headquartered in Harrisburg, NE, United States.
When was Banner Capital Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Banner Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banner Capital Bank?
Banner Capital Bank's primary federal regulator is the FDIC.
What is Banner Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.96% in its Q2 2026 call report, above regulatory requirements.
How many branches does Banner Capital Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banner Capital Bank's Texas Ratio?
Its Texas Ratio is 9.53% 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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