Bruning Bank
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Data as of · sourced from FFIEC call reports. How we update
Bruning Bank is an FDIC-insured commercial bank headquartered in Bruning, NE, established in 1891 (FDIC certificate 18748), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $659.9M, up 1.6% from Q2 2025, the 28th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.01% 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
- 18748
- Headquarters
- Bruning, NE
- Established
- 1891
- Total assets, Q2 2026
- $659.9M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 10.01%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104106693
- Holding company
- BRUNING BANCSHARES, INC.
- Asset rank in state
- 28th of 138 in Nebraska
Bruning Bank, based in Bruning, Nebraska, reported $660 million in assets at June 30, 2026, up 1.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%).
Earnings jumped: net income for the quarter was $2.1 million, 41% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.4 million equal 11% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, Bruning Bank reported a return on assets of 1.29%, 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, Bruning Bank is the 28th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $659.9M, loans rose 1.9% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 23.3% of total loans, ahead of farmland and other real estate loans at 23.2%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in NE; its Bruning office books 25% of its branch deposits. On its Q2 2026 call report, Bruning Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 E Main St, Bruning, NE 68322
- County
- Thayer
- 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
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- September 1, 1891
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 93
- Domestic deposits
- $560.4M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $658.4M
- Average total loans
- $485.2M
- Average interest-bearing deposits
- $483.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 5, 1963
- FDIC Cert
- 18748
- Fed RSSD
- 71457
- Website
- www.bruningbank.com →
- Parent Holding Company
- BRUNING BANCSHARES, INC. (RSSD 1840753)
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, Bruning Bank 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, Bruning Bank's total assets ranged from $593.6M (Q3 2023) to $679.7M (Q4 2025), 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
$659.9M total assets against $649.3M; $599.9M total liabilities against $598.4M.
$487.7M net loans and leases against $459.4M; $560.4M total deposits against $522.2M.
$129.0M securities against $148.4M; $9.3M cash and balances due against $7.9M.
$9.0M total interest income against $8.6M; $3.0M total interest expense against $3.3M.
$6.0M net interest income against $5.3M.
$669K total noninterest income against $557K; $4.0M total noninterest expense against $3.8M.
$100K provision for credit losses against $200K.
$2.1M net income against $1.5M.
1.29% return on assets against 0.96%; 3.85% net interest margin against 3.49%.
10.01% tier 1 leverage ratio against 9.52%.
Inside the full Bruning Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bruning Bank rankings
Its closest position to the top of a national ranking is 1,425 of 4,196, for total assets; its furthest is 3,388 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q1 2025) to 1.29% (Q2 2026) and its net interest margin ran from 2.71% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.01% | 1.29% | 0.00% | 0.00% | 3.85% |
| Q1 2026 | 9.63% | 1.21% | 0.00% | 0.00% | 3.73% |
| Q4 2025 | 9.47% | 1.15% | 0.00% | 0.00% | 3.67% |
| Q3 2025 | 9.32% | 0.95% | 0.00% | 0.00% | 3.42% |
| Q2 2025 | 9.52% | 0.96% | 0.00% | 0.03% | 3.49% |
| Q1 2025 | 9.20% | 0.50% | 0.00% | 0.00% | 3.18% |
| Q4 2024 | 9.16% | 0.71% | 0.00% | 0.00% | 2.90% |
| Q3 2024 | 9.20% | 0.59% | 0.00% | 0.00% | 2.71% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Bruning Bank (main office) | Bruning , NE | 68322 | $142.4M |
| Bruning State Bank - Holdrege Branch | Holdrege , NE | 68949 | $141.5M |
| Bank of Broken Bow, A Branch of Bruning State Bank Branch | Broken Bow , NE | 68822 | $104.3M |
| Bruning Bank Grand Island Branch | Grand Island , NE | 68803 | $64.5M |
| Hebron Branch | Hebron , NE | 68370 | $57.5M |
| Kearney Branch | Kearney , NE | 68845 | $50.3M |
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 |
|---|---|---|---|
| March 15, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 2003 | Structure Change | Acquired The Commercial 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NE, rank 31 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 200 applications, 151 loans originated, $37.1M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Bruning Bank
What are Bruning Bank's total assets?
As of the Q2 2026 filing, Bruning Bank reported total assets of $659.9 million in its FFIEC call report.
Where is Bruning Bank headquartered?
It is headquartered in Bruning, NE, United States.
When was Bruning Bank founded?
It was established in 1891, per the FDIC institution directory.
Is Bruning Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18748). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bruning Bank?
Bruning Bank's primary federal regulator is the FDIC.
How many branches does Bruning Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bruning Bank'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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