Cornhusker Bank
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Data as of · sourced from FFIEC call reports. How we update
Cornhusker Bank is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 1903 (FDIC certificate 14264), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.05B, up 1.9% from Q2 2025, the 21st largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.68% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14264
- Headquarters
- Lincoln, NE
- Established
- 1903
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 12.68%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 104907025
- Holding company
- CORNHUSKER GROWTH CORPORATION
- Asset rank in state
- 21st of 138 in Nebraska
Cornhusker Bank leans heavily on commercial real estate. Its balance sheet stood at $1.0 billion at June 30, 2026, up 1.9% from a year earlier; it is based in Lincoln, Nebraska. It holds commercial real estate loans worth 4.1 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $3.7 million.
As of June 30, 2026, Cornhusker Bank reported a CET1 capital ratio of 12.68%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cornhusker Bank is the 21st largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $1.05B, loans rose 2.9% and deposits rose 0.3%. Non-owner-occupied commercial real estate loans made up 32.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 26.4%. The FDIC Summary of Deposits lists 9 offices for it, in Lincoln, NE and Omaha, NE; its Lincoln 8 offices book 97% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cornhusker Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8310 O St, Lincoln, NE 68510
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 24, 1903
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 139
- Domestic deposits
- $852.8M
- Allowance for credit losses
- $10.6M
- Net charge-offs (YTD)
- $69K
- Average total assets
- $1.04B
- Average total loans
- $840.1M
- Average interest-bearing deposits
- $839.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 18, 1934
- FDIC Cert
- 14264
- Fed RSSD
- 544652
- SEC CIK
- 1921689 → filed by CORNHUSKER GROWTH CORPORATION
- Website
- www.cornhusker.bank →
- Parent Holding Company
- CORNHUSKER GROWTH CORPORATION (RSSD 2022529)
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
Cornhusker Bank's total assets moved between a low of $953.0M (Q3 2023) and a high of $1.05B (Q2 2026) from Q3 2023 to Q2 2026, 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
$1.05B total assets against $1.03B; $946.5M total liabilities against $936.1M.
$843.3M net loans and leases against $845.9M; $852.8M total deposits against $838.7M.
$141.7M securities against $128.8M; $26.7M cash and balances due against $15.8M.
$13.9M total interest income against $13.1M; $5.3M total interest expense against $5.5M.
$8.6M net interest income against $7.6M.
$1.5M total noninterest income against $1.4M; $6.3M total noninterest expense against $5.7M.
$0 provision for credit losses against $229K.
$3.7M net income against $2.9M.
1.43% return on assets against 1.13%; 3.44% net interest margin against 3.06%.
12.68% CET1 capital ratio against 12.15%; 10.12% tier 1 leverage ratio against 9.48%.
Inside the full Cornhusker 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).
Cornhusker Bank rankings
Its closest position to the top of a national ranking is 996 of 4,196, for total assets; its furthest is 3,196 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 1.43% (Q1 2026) and its net interest margin ran from 2.65% (Q3 2024) to 3.44% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.68% | 1.43% | 0.02% | 0.14% | 3.44% |
| Q1 2026 | 12.86% | 1.43% | 0.05% | 0.17% | 3.36% |
| Q4 2025 | 12.65% | 1.00% | 0.05% | 0.40% | 3.31% |
| Q3 2025 | 12.50% | 1.16% | 0.02% | 0.15% | 3.18% |
| Q2 2025 | 12.15% | 1.13% | 0.05% | 0.38% | 3.06% |
| Q1 2025 | 11.91% | 0.89% | 0.05% | 0.38% | 2.95% |
| Q4 2024 | 12.34% | 0.87% | 0.06% | 0.52% | 2.88% |
| Q3 2024 | 12.54% | 0.71% | 0.08% | 0.67% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Cornhusker Bank (main office) | Lincoln , NE | 68510 | $387.8M |
| Cornhusker Branch | Lincoln , NE | 68521 | $228.3M |
| South Street Branch | Lincoln , NE | 68506 | $72.6M |
| Apples Way Branch | Lincoln , NE | 68516 | $65.8M |
| Old Cheney Branch | Lincoln , NE | 68516 | $50.9M |
| 111th & Blondo Branch | Omaha , NE | 68164 | $25.8M |
| Legacy Terrace Branch | Lincoln , NE | 68507 | $7.9M |
| Legacy Branch | Lincoln , NE | 68506 | $6.9M |
| Legacy Estate Branch | Lincoln , NE | 68506 | $6.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in NE, rank 22 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 491 applications, 423 loans originated, $141.4M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $435K approved, $145K 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 Cornhusker Bank
What are Cornhusker Bank's total assets?
As of the Q2 2026 filing, Cornhusker Bank reported total assets of $1.05 billion in its FFIEC call report.
Where is Cornhusker Bank headquartered?
It is headquartered in Lincoln, NE, United States.
When was Cornhusker Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Cornhusker Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornhusker Bank?
Cornhusker Bank's primary federal regulator is the Federal Reserve.
What is Cornhusker Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cornhusker Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornhusker Bank's Texas Ratio?
Its Texas Ratio is 0.14% 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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