Custer Federal State Bank
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Data as of · sourced from FFIEC call reports. How we update
Custer Federal State Bank is an FDIC-insured commercial bank headquartered in Broken Bow, NE, established in 1925 (FDIC certificate 28543), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $120.7M, little changed from Q2 2025, the 99th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.99% 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
- 28543
- Headquarters
- Broken Bow, NE
- Established
- 1925
- Total assets, Q2 2026
- $120.7M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 11.99%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 304171839
- Latest call report
- Q2 2026, FFIEC 041 · Custer Federal State Bank call report
- Holding company
- CFSB HOLDING CO.
- Asset rank in state
- 99th of 138 in Nebraska
Custer Federal State Bank, based in Broken Bow, Nebraska, reported $121 million in assets at June 30, 2026. It holds commercial real estate loans equal to only 16% 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 carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $365,000, 37% above the same quarter a year earlier. Over the same year, loans grew 12.6% and deposits grew 1.5%.
As of June 30, 2026, Custer Federal State Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Custer Federal State Bank ranks as the 99th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.3% to $120.7M, loans rose 6.2% and deposits fell 3.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 45.2% of total loans, ahead of agricultural production loans at 27.2%. The FDIC Summary of Deposits lists 2 offices for it, in Broken Bow, NE and Kearney, NE; its Broken Bow office books 78% of its branch deposits. On its Q2 2026 call report, Custer Federal State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 341 S 10th Ave, Broken Bow, NE 68822
- County
- Custer
- 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
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1925
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $95.7M
- Allowance for credit losses
- $784K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $124.0M
- Average total loans
- $80.6M
- Average interest-bearing deposits
- $85.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28543
- Fed RSSD
- 481579
- Website
- custerfederal.com →
- Parent Holding Company
- CFSB HOLDING CO. (RSSD 4843755)
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, Custer Federal State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Custer Federal State Bank's total assets moved between a low of $120.7M (Q2 2025) and a high of $127.1M (Q4 2024) 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
$120.7M total assets against $120.7M; $106.8M total liabilities against $107.2M.
$82.7M net loans and leases against $73.4M; $95.7M total deposits against $94.3M.
$27.1M securities against $34.6M; $2.9M cash and balances due against $4.3M.
$1.7M total interest income against $1.6M; $567K total interest expense against $649K.
$1.1M net interest income against $967K.
$51K total noninterest income against $55K; $732K total noninterest expense against $745K.
$43K provision for credit losses against $0.
$365K net income against $267K.
1.18% return on assets against 0.86%; 3.77% net interest margin against 3.38%.
11.99% tier 1 leverage ratio against 11.90%.
Inside the full Custer Federal State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCuster Federal State Bank rankings
Its closest position to the top of a national ranking is 2,083 of 3,611, for ROA; its furthest is 3,617 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q1 2025) to 1.18% (Q2 2026) and its net interest margin ran from 3.03% (Q1 2025) to 3.77% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.99% | 1.18% | 0.00% | 0.00% | 3.77% |
| Q1 2026 | 11.78% | 1.01% | 0.00% | 0.00% | 3.50% |
| Q4 2025 | 11.89% | 1.05% | 0.00% | 0.24% | 3.52% |
| Q3 2025 | 12.17% | 1.09% | 0.00% | 0.24% | 3.62% |
| Q2 2025 | 11.90% | 0.86% | 0.15% | 1.12% | 3.38% |
| Q1 2025 | 11.43% | 0.54% | 0.06% | 0.32% | 3.03% |
| Q4 2024 | 11.49% | 0.61% | 0.00% | 0.00% | 3.05% |
| Q3 2024 | 12.00% | 0.58% | 0.13% | 0.17% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Custer Federal State Bank (main office) | Broken Bow , NE | 68822 | $74.4M |
| Custer Federal State Bank (main office) | Kearney , NE | 68847 | $21.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- March 31, 1992, OCC (former OTS): Supervisory Agreement: Custer Federal Savings and Loan Association
- Period: Most recent institution action March 31, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in NE, rank 113 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $285K approved, $95K 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
- 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 Custer Federal State Bank
What are Custer Federal State Bank's total assets?
As of the Q2 2026 filing, Custer Federal State Bank reported total assets of $120.7 million in its FFIEC call report.
Where is Custer Federal State Bank headquartered?
It is headquartered in Broken Bow, NE, United States.
When was Custer Federal State Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Custer Federal State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28543). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Custer Federal State Bank?
Custer Federal State Bank's primary federal regulator is the FDIC.
How many branches does Custer Federal State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Custer Federal State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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