Cattle Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Cattle Bank & Trust is an FDIC-insured commercial bank headquartered in Seward, NE, established in 1873 (FDIC certificate 5472), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $421.9M, up 2.3% from Q2 2025, the 47th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.87% 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
- 5472
- Headquarters
- Seward, NE
- Established
- 1873
- Total assets, Q2 2026
- $421.9M
- Assets vs Q2 2025
- +2.3%
- Tier 1 leverage ratio, Q2 2026
- 12.87%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104901348
- Holding company
- CATTLE CROSSING, INC.
- Asset rank in state
- 47th of 138 in Nebraska
Cattle Bank & Trust is one of the more profitable banks of its size. Based in Seward, Nebraska, it had $422 million in assets at June 30, 2026, up 2.3% from a year earlier. It earns about $2.19 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). It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $2.3 million, 33% above the same quarter a year earlier. Over the same year, loans grew 3.0% and deposits shrank 0.4%.
As of June 30, 2026, Cattle Bank & Trust reported a return on assets of 2.19%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Cattle Bank & Trust is the 47th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $421.9M, loans rose 3.0% and deposits fell 3.0%. 1-4 family residential loans made up 28.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 17.7%. The FDIC Summary of Deposits lists 4 offices for it, in Seward, NE and Lincoln, NE; its Seward 2 offices book 67% of its branch deposits. On its Q2 2026 call report, Cattle Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S 5th St, Seward, NE 68434
- County
- Seward
- Metro Area
- Lincoln, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 1873
- Former names
- Cattle Bank and Trust (2017); The Cattle National Bank and Trust Company (2001-2017)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $347.2M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $424.3M
- Average total loans
- $319.1M
- Average interest-bearing deposits
- $291.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5472
- Fed RSSD
- 529659
- Website
- WWW.CATTLEBANK.COM →
- Parent Holding Company
- CATTLE CROSSING, INC. (RSSD 1059555)
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, Cattle Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cattle Bank & Trust's total assets ran between $379.9M (Q3 2023) and $425.7M (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
$421.9M total assets against $412.4M; $372.1M total liabilities against $368.9M.
$317.9M net loans and leases against $308.9M; $347.2M total deposits against $348.6M.
$80.0M securities against $76.3M; $6.3M cash and balances due against $9.2M.
$5.9M total interest income against $5.5M; $1.9M total interest expense against $2.1M.
$4.0M net interest income against $3.4M.
$479K total noninterest income against $401K; $2.1M total noninterest expense against $2.0M.
$0 provision for credit losses against $100K.
$2.3M net income against $1.7M.
2.19% return on assets against 1.69%; 4.03% net interest margin against 3.61%.
12.87% tier 1 leverage ratio against 12.16%.
Inside the full Cattle Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCattle Bank & Trust rankings
Its closest position to the top of a national ranking is 319 of 3,611, for ROA; its furthest is 2,991 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q4 2024) to 2.19% (Q2 2026) and its net interest margin ran from 3.29% (Q3 2024) to 4.03% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.87% | 2.19% | 0.08% | 0.45% | 4.03% |
| Q1 2026 | 12.59% | 2.07% | 0.08% | 0.49% | 3.91% |
| Q4 2025 | 12.05% | 1.45% | 0.33% | 2.04% | 3.83% |
| Q3 2025 | 12.20% | 1.87% | 0.48% | 3.05% | 3.80% |
| Q2 2025 | 12.16% | 1.69% | 0.29% | 1.89% | 3.61% |
| Q1 2025 | 11.91% | 1.51% | 0.52% | 3.41% | 3.42% |
| Q4 2024 | 11.77% | 1.11% | 0.35% | 2.35% | 3.31% |
| Q3 2024 | 11.97% | 1.53% | 0.00% | 0.86% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Cattle Bank and Trust | Seward , NE | 68434 | $232.7M |
| Southwest Lincoln Branch | Lincoln , NE | 68512 | $80.5M |
| Fallbrook Branch | Lincoln , NE | 68521 | $34.1M |
| Motor Branch | Seward , NE | 68434 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NE, rank 54 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 108 applications, 103 loans originated, $26.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $237K approved, $237K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Cattle Bank & Trust
What are Cattle Bank & Trust's total assets?
As of the Q2 2026 filing, Cattle Bank & Trust reported total assets of $421.9 million in its FFIEC call report.
Where is Cattle Bank & Trust headquartered?
It is headquartered in Seward, NE, United States.
When was Cattle Bank & Trust founded?
It was established in 1873, per the FDIC institution directory.
Is Cattle Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cattle Bank & Trust?
Cattle Bank & Trust's primary federal regulator is the FDIC.
How many branches does Cattle Bank & Trust operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cattle Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.45% 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.
What was Cattle Bank & Trust previously called?
The charter now named Cattle Bank & Trust has also operated as Cattle Bank and Trust (2017), The Cattle National Bank and Trust Company (2001-2017), per FDIC structure-change records.
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