Banner Capital Bank
Banner Capital Bank is the primary bank subsidiary of its parent holding company, headquartered in Harrisburg, NE. Banner Capital's Q1 2026 balance sheet shows $369M in assets funded primarily by $328M in customer deposits. The bank posts a strong 1.64% ROA and 15.20% ROE. Capital is comfortably above regulatory minimums — CET1 ratio of 12.20% sits well above the 7% well-capitalized threshold. Credit metrics are in line with industry norms — 0.60% NPL ratio. 7 branches make up the footprint.
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
- Fed District
- 11
- Established
- October 10, 1964
- Branches
- 7 domestic
- Employees (FTE)
- 55
- FDIC Cert
- 19274
- Fed RSSD
- 275255
- Website
- www.bcbank.net →
- Parent Holding Company
- BANNER COUNTY BAN CORPORATION (RSSD 1067028)
Capital & Liquidity
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Banner Capital Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
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Frequently asked about Banner Capital Bank
What are Banner Capital Bank's total assets?
As of the Q1 2026 filing, Banner Capital Bank reported total assets of $368.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banner Capital Bank headquartered?
Banner Capital Bank is headquartered in HARRISBURG, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Banner Capital Bank founded?
Banner Capital Bank was established in 1964, per the FDIC institution directory.
Is Banner Capital Bank FDIC-insured?
Yes. Banner Capital Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Banner Capital Bank's CET1 capital ratio?
Banner Capital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.20% in its most recent quarterly filing — above regulatory minimums.
How many branches does Banner Capital Bank operate?
Banner Capital Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Banner Capital Bank's Texas Ratio?
Banner Capital Bank's Texas Ratio is 5.87% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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