Cedar Rapids State Bank
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Data as of · sourced from FFIEC call reports. How we update
Cedar Rapids State Bank is an FDIC-insured commercial bank headquartered in Cedar Rapids, NE, established in 1936 (FDIC certificate 18820), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $174.9M, up 1.9% from Q2 2025, the 86th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.48% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18820
- Headquarters
- Cedar Rapids, NE
- Established
- 1936
- Total assets, Q2 2026
- $174.9M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 12.48%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104113372
- Holding company
- CEDAR RAPIDS STATE COMPANY
- Asset rank in state
- 86th of 138 in Nebraska
Problem loans are rising at Cedar Rapids State Bank. Its balance sheet stood at $175 million at June 30, 2026, up 1.9% from a year earlier; it is based in Cedar Rapids, Nebraska. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.73% of loans from 0.46% a year earlier. It pays an average of 2.93% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 5.4 times the median of 2.6% for banks its size.
Earnings fell sharply: quarterly net income of $395,000 was 36% below a year earlier. The commercial and industrial book ($19 million) is worsening: 1.67% of it is past due or on nonaccrual, up from 0.09% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Cedar Rapids State Bank reported a CET1 capital ratio of 12.48%, a return on assets of 0.91%, a nonperforming-loan ratio of 1.73% and a Texas ratio of 14.21%. The figures come from its call report filed with the FFIEC.
Cedar Rapids State Bank ranks as the 86th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $174.9M, loans rose 3.6% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.9%. Its 3 offices in the FDIC Summary of Deposits are in Cedar Rapids, NE, Petersburg, NE and Spalding, NE; its Cedar Rapids office books 76% of its branch deposits. On its Q2 2026 call report, Cedar Rapids State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 213 W Main St, Cedar Rapids, NE 68627
- County
- Boone
- 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 051
- Established
- May 25, 1936
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $157.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $174.1M
- Average total loans
- $144.3M
- Average interest-bearing deposits
- $142.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 1963
- FDIC Cert
- 18820
- Fed RSSD
- 1005851
- Parent Holding Company
- CEDAR RAPIDS STATE COMPANY (RSSD 1065202)
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, Cedar Rapids State Bank's total assets ran between $137.3M (Q3 2023) and $175.1M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$174.9M total assets against $171.6M; $158.4M total liabilities against $155.0M.
$145.2M net loans and leases against $146.2M; $157.4M total deposits against $154.6M.
$19.1M securities against $16.1M; $3.1M cash and balances due against $2.7M.
$2.6M total interest income against $2.6M; $1.1M total interest expense against $1.2M.
$1.5M net interest income against $1.4M.
$138K total noninterest income against $87K; $928K total noninterest expense against $829K.
$263K provision for credit losses against $60K.
$395K net income against $615K.
0.91% return on assets against 1.48%; 3.59% net interest margin against 3.59%.
12.48% CET1 capital ratio against 12.66%; 9.55% tier 1 leverage ratio against 9.94%.
Inside the full Cedar Rapids State 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.
Cedar Rapids State Bank rankings
Its closest position to the top of a national ranking is 345 of 3,640, for Texas Ratio; its furthest is 2,699 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.41% (Q4 2025) to 1.48% (Q2 2025) and its net interest margin ran from 2.88% (Q3 2024) to 3.61% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.48% | 0.91% | 1.73% | 14.21% | 3.59% |
| Q1 2026 | 12.92% | 1.29% | 0.48% | 3.83% | 3.53% |
| Q4 2025 | 12.47% | -0.41% | 0.05% | 0.43% | 3.45% |
| Q3 2025 | 12.85% | 1.46% | 1.15% | 9.22% | 3.61% |
| Q2 2025 | 12.66% | 1.48% | 0.46% | 3.82% | 3.59% |
| Q1 2025 | 13.02% | 1.38% | 0.23% | 1.81% | 3.31% |
| Q4 2024 | 12.47% | 1.20% | 0.22% | 1.86% | 3.21% |
| Q3 2024 | 12.19% | 0.55% | 0.54% | 4.80% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Cedar Rapids State Bank (main office) | Cedar Rapids , NE | 68627 | $120.2M |
| Petersburg Branch | Petersburg , NE | 68652 | $21.2M |
| Spalding Branch | Spalding , NE | 68665 | $16.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 89 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Cedar Rapids State Bank
What are Cedar Rapids State Bank's total assets?
As of the Q2 2026 filing, Cedar Rapids State Bank reported total assets of $174.9 million in its FFIEC call report.
Where is Cedar Rapids State Bank headquartered?
It is headquartered in Cedar Rapids, NE, United States.
When was Cedar Rapids State Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Cedar Rapids State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18820). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Rapids State Bank?
Cedar Rapids State Bank's primary federal regulator is the FDIC.
What is Cedar Rapids State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.48% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cedar Rapids State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cedar Rapids State Bank's Texas Ratio?
Its Texas Ratio is 14.21% 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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