Countryside Bank
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Data as of · sourced from FFIEC call reports. How we update
Countryside Bank is an FDIC-insured commercial bank headquartered in Unadilla, NE, established in 1892 (FDIC certificate 1438), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $118.5M, up 2.2% from Q2 2025, the 100th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.20% 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
- 1438
- Headquarters
- Unadilla, NE
- Established
- 1892
- Total assets, Q2 2026
- $118.5M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 15.20%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104908930
- Latest call report
- Q2 2026, FFIEC 051 · Countryside Bank call report
- Holding company
- UB, INC.
- Asset rank in state
- 100th of 138 in Nebraska
Problem loans are rising at Countryside Bank. The Unadilla, Nebraska bank had $119 million in assets at June 30, 2026, up 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.35% of loans from 0.02% a year earlier. It holds commercial real estate loans equal to only 18% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 15.20% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Its margin is thin by comparison: it keeps 3.45 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Countryside Bank reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 1.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Countryside Bank is the 100th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.8% to $118.5M, loans rose 2.6% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.1% of total loans, ahead of farmland and other real estate loans at 21.5%. Its 3 offices in the FDIC Summary of Deposits are in Unadilla, NE, Syracuse, NE and Burr, NE; its Unadilla office books 61% of its branch deposits. Judged on its Q2 2026 call report, Countryside Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 379 Main St, Unadilla, NE 68454
- County
- Otoe
- 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 1, 1892
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $96.7M
- Allowance for credit losses
- $670K
- Net charge-offs (YTD)
- $7K
- Average total assets
- $119.8M
- Average total loans
- $67.5M
- Average interest-bearing deposits
- $74.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1438
- Fed RSSD
- 474357
- Website
- www.countrysidebank.com →
- Parent Holding Company
- UB, INC. (RSSD 2090779)
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, Countryside Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Countryside Bank's total assets moved between a low of $108.6M (Q4 2023) and a high of $120.7M (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
$118.5M total assets against $115.9M; $100.5M total liabilities against $99.0M.
$67.2M net loans and leases against $66.8M; $96.7M total deposits against $95.1M.
$28.0M securities against $25.6M; $17.7M cash and balances due against $18.0M.
$1.4M total interest income against $1.4M; $431K total interest expense against $436K.
$981K net interest income against $916K.
$136K total noninterest income against $130K; $674K total noninterest expense against $584K.
-$7K provision for credit losses against $11K.
$370K net income against $400K.
1.24% return on assets against 1.36%; 3.45% net interest margin against 3.28%.
15.20% tier 1 leverage ratio against 14.68%.
Inside the full Countryside Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCountryside Bank rankings
Its closest position to the top of a national ranking is 1,836 of 3,606, for efficiency ratio; its furthest is 3,528 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q4 2025) to 1.44% (Q1 2026) and its net interest margin ran from 2.73% (Q3 2024) to 3.47% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.20% | 1.24% | 0.35% | 1.29% | 3.45% |
| Q1 2026 | 14.81% | 1.44% | 0.43% | 1.57% | 3.34% |
| Q4 2025 | 15.11% | 0.45% | 0.01% | 0.04% | 3.43% |
| Q3 2025 | 15.19% | 0.98% | 0.02% | 0.07% | 3.47% |
| Q2 2025 | 14.68% | 1.36% | 0.02% | 0.06% | 3.28% |
| Q1 2025 | 14.27% | 1.02% | 0.04% | 0.15% | 2.93% |
| Q4 2024 | 14.71% | 0.64% | 0.03% | 0.13% | 2.83% |
| Q3 2024 | 14.90% | 0.53% | 0.00% | 0.00% | 2.73% |
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 |
|---|---|---|---|
| Countryside Bank (main office) | Unadilla , NE | 68454 | $59.3M |
| Syracuse Countryside Branch | Syracuse , NE | 68446 | $33.6M |
| Burr Branch | Burr , NE | 68324 | $3.8M |
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 28, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2004 | Structure Change | Acquired The First National Bank of Unadilla 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 112 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Countryside Bank
What are Countryside Bank's total assets?
As of the Q2 2026 filing, Countryside Bank reported total assets of $118.5 million in its FFIEC call report.
Where is Countryside Bank headquartered?
It is headquartered in Unadilla, NE, United States.
When was Countryside Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Countryside Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Countryside Bank?
Countryside Bank's primary federal regulator is the FDIC.
How many branches does Countryside 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 Countryside Bank's Texas Ratio?
Its Texas Ratio is 1.29% 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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