Cedar Security Bank
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Data as of · sourced from FFIEC call reports. How we update
Cedar Security Bank is an FDIC-insured commercial bank headquartered in Fordyce, NE, established in 1984 (FDIC certificate 25591), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $62.1M, up 2.9% from Q2 2025, the 123rd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.04% 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
- 25591
- Headquarters
- Fordyce, NE
- Established
- 1984
- Total assets, Q2 2026
- $62.1M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 18.04%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104101630
- Holding company
- CEDAR FINANCIAL HOLDING, INC.
- Asset rank in state
- 123rd of 138 in Nebraska
Cedar Security Bank earns an unusually wide margin on its lending. Its balance sheet stood at $62 million at June 30, 2026, up 2.9% from a year earlier; it is based in Fordyce, Nebraska. It keeps 5.26 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also spends about 50 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Earnings jumped: net income for the quarter was $320,000, 89% above the same quarter a year earlier. Over the same year, loans grew 16.5% and deposits grew 2.2%.
As of June 30, 2026, Cedar Security Bank reported a return on assets of 2.02%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 2.96%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Cedar Security Bank is the 123rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $62.1M, loans rose 10.5% and deposits fell 0.3%. Agricultural production loans made up 33.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.0%. The FDIC Summary of Deposits lists 3 offices for it, in Fordyce, NE, Wynot, NE and Hartington, NE; its Fordyce office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cedar Security Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 Main St, Fordyce, NE 68736
- County
- Cedar
- 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
- September 4, 1984
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $49.0M
- Allowance for credit losses
- $857K
- Net charge-offs (YTD)
- -$66K
- Average total assets
- $63.2M
- Average total loans
- $34.5M
- Average interest-bearing deposits
- $38.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 4, 1984
- FDIC Cert
- 25591
- Fed RSSD
- 550653
- Parent Holding Company
- CEDAR FINANCIAL HOLDING, INC. (RSSD 1398861)
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, Cedar Security Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Cedar Security Bank's total assets moved between a low of $53.3M (Q1 2024) and a high of $62.2M (Q1 2026) from Q3 2023 to Q2 2026, 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
$62.1M total assets against $60.3M; $50.8M total liabilities against $49.9M.
$36.4M net loans and leases against $31.1M; $49.0M total deposits against $47.9M.
$10.7M securities against $11.0M; $13.4M cash and balances due against $16.7M.
$881K total interest income against $765K; $135K total interest expense against $143K.
$746K net interest income against $622K.
$52K total noninterest income against $46K; $398K total noninterest expense against $345K.
$0 provision for credit losses against $100K.
$320K net income against $169K.
2.02% return on assets against 1.10%; 5.26% net interest margin against 3.95%.
18.04% tier 1 leverage ratio against 16.42%.
Inside the full Cedar Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.09% (Q3 2024) to 2.02% (Q2 2026) and its net interest margin ran from 3.85% (Q1 2025) to 5.26% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.04% | 2.02% | 0.96% | 2.96% | 5.26% |
| Q1 2026 | 18.20% | 1.95% | 1.79% | 5.08% | 4.61% |
| Q4 2025 | 17.98% | 1.17% | 0.99% | 2.91% | 4.72% |
| Q3 2025 | 17.25% | 1.80% | 1.49% | 4.36% | 4.37% |
| Q2 2025 | 16.42% | 1.10% | 1.36% | 3.86% | 3.95% |
| Q1 2025 | 17.42% | 1.56% | 1.90% | 5.19% | 3.85% |
| Q4 2024 | 18.23% | 1.13% | 1.16% | 2.98% | 4.04% |
| Q3 2024 | 17.82% | 1.09% | 0.90% | 2.34% | 4.11% |
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 Security Bank (main office) | Fordyce , NE | 68736 | $20.3M |
| Wynot Branch | Wynot , NE | 68792 | $18.8M |
| Hartington Branch | Hartington , NE | 68739 | $9.8M |
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 |
|---|---|---|---|
| September 4, 1984 | Structure Change | Acquired Fordyce Cooperative Credit Association 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 139 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $105K approved, $105K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Security Bank
What are Cedar Security Bank's total assets?
As of the Q2 2026 filing, Cedar Security Bank reported total assets of $62.1 million in its FFIEC call report.
Where is Cedar Security Bank headquartered?
It is headquartered in Fordyce, NE, United States.
When was Cedar Security Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Cedar Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cedar Security Bank?
Cedar Security Bank's primary federal regulator is the FDIC.
How many branches does Cedar Security 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 Security Bank's Texas Ratio?
Its Texas Ratio is 2.96% 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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