Core Bank
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Data as of · sourced from FFIEC call reports. How we update
Core Bank is an FDIC-insured commercial bank headquartered in Omaha, NE, established in 1996 (FDIC certificate 34363), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.07B, down 0.7% from Q2 2025, the 18th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.17% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34363
- Headquarters
- Omaha, NE
- Established
- 1996
- Total assets, Q2 2026
- $1.07B
- Assets vs Q2 2025
- -0.7%
- CET1 ratio, Q2 2026
- 12.17%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104001808
- Holding company
- DS HOLDING COMPANY, INC.
- Asset rank in state
- 18th of 138 in Nebraska
Core Bank spends more to run itself than most banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026; it is based in Omaha, Nebraska. It spends about 76 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also holds commercial real estate loans worth 4.1 times its capital, about double the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $2.0 million, 40% above the same quarter a year earlier. Delinquency has appeared in its $188 million non-owner-occupied commercial real estate book: 0.63% of those loans are past due or on nonaccrual, against almost none a year earlier. Profitability lags: it earns about $0.75 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, Core Bank reported a CET1 capital ratio of 12.17%, a return on assets of 0.75%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.25%. The figures come from its call report filed with the FFIEC.
Core Bank ranks as the 18th 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 fell 1.4% to $1.07B, loans fell 2.2% and deposits fell 5.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 21.5% of total loans, followed by non-owner-occupied commercial real estate loans at 21.4%. The FDIC Summary of Deposits lists 5 offices for it, in Omaha, NE, Overland Park, KS and Papillion, NE; its Omaha 3 offices book 90% of its branch deposits. On its Q2 2026 call report, Core Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 17807 Burke St, Omaha, NE 68118
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- 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
- December 27, 1996
- Former names
- Centennial Bank (1999-2013)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 124
- Domestic deposits
- $833.7M
- Allowance for credit losses
- $12.2M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $1.07B
- Average total loans
- $881.5M
- Average interest-bearing deposits
- $718.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 27, 1996
- FDIC Cert
- 34363
- Fed RSSD
- 976552
- Website
- www.corebank.com →
- Parent Holding Company
- DS HOLDING COMPANY, INC. (RSSD 3428502)
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, Core Bank's total assets ran between $1.05B (Q3 2023) and $1.12B (Q2 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.07B total assets against $1.07B; $964.6M total liabilities against $979.6M.
$866.4M net loans and leases against $920.1M; $833.7M total deposits against $876.5M.
$124.7M securities against $79.2M; $13.2M cash and balances due against $12.6M.
$14.3M total interest income against $14.2M; $6.1M total interest expense against $7.3M.
$8.2M net interest income against $6.9M.
$2.2M total noninterest income against $2.1M; $8.1M total noninterest expense against $7.8M.
$0 provision for credit losses against -$450K.
$2.0M net income against $1.4M.
0.75% return on assets against 0.53%; 3.28% net interest margin against 2.73%.
12.17% CET1 capital ratio against 10.91%; 9.77% tier 1 leverage ratio against 8.93%.
Inside the full Core 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Core Bank rankings
Its closest position to the top of a national ranking is 978 of 4,196, for total assets; its furthest is 3,100 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.28% (Q3 2024) to 0.94% (Q4 2025) and its net interest margin ran from 2.49% (Q3 2024) to 3.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.17% | 0.75% | 0.11% | 0.25% | 3.28% |
| Q1 2026 | 11.71% | 0.69% | 0.17% | 0.60% | 3.01% |
| Q4 2025 | 11.59% | 0.94% | 0.21% | 0.65% | 3.02% |
| Q3 2025 | 11.12% | 0.48% | 0.19% | 0.36% | 2.85% |
| Q2 2025 | 10.91% | 0.53% | 0.22% | 0.41% | 2.73% |
| Q1 2025 | 10.49% | 0.32% | 0.20% | 1.07% | 2.63% |
| Q4 2024 | 10.43% | 0.37% | 0.28% | 1.08% | 2.49% |
| Q3 2024 | 10.25% | 0.28% | 0.26% | 1.08% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Core Bank (main office) | Omaha , NE | 68118 | $568.0M |
| Bel Air Branch | Omaha , NE | 68144 | $120.4M |
| Omaha Branch | Omaha , NE | 68135 | $65.2M |
| Core Bank-Overland Park Branch | Overland Park , KS | 66210 | $46.5M |
| Granite Falls Banking Center Branch | Papillion , NE | 68046 | $33.6M |
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 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2013 | Structure Change | Acquired Omaha State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 27, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in NE, rank 24 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 552 applications, 456 loans originated, $144.6M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $2.0M approved, $997K 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 Core Bank
What are Core Bank's total assets?
As of the Q2 2026 filing, Core Bank reported total assets of $1.07 billion in its FFIEC call report.
Where is Core Bank headquartered?
It is headquartered in Omaha, NE, United States.
When was Core Bank founded?
It was established in 1996, per the FDIC institution directory.
Is Core Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Core Bank?
Core Bank's primary federal regulator is the FDIC.
What is Core Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.17% in its Q2 2026 call report, above regulatory requirements.
How many branches does Core Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Core Bank's Texas Ratio?
Its Texas Ratio is 0.25% 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 Core Bank previously called?
The charter now named Core Bank has also operated as Centennial Bank (1999-2013), per FDIC structure-change records.
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