Dayspring Bank
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Data as of · sourced from FFIEC call reports. How we update
Dayspring Bank is an FDIC-insured commercial bank headquartered in Gothenburg, NE, established in 1906 (FDIC certificate 13622), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.23B, up 6.8% from Q2 2025, the 14th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.71% 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
- 13622
- Headquarters
- Gothenburg, NE
- Established
- 1906
- Total assets, Q2 2026
- $1.23B
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 10.71%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 104901610
- Holding company
- FIRST GOTHENBURG BANCSHARES, INC.
- Asset rank in state
- 14th of 138 in Nebraska
Problem loans are rising at Dayspring Bank. It reported $1.2 billion in assets at June 30, 2026, up 6.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.67% of loans from 0.88% a year earlier. It keeps 2.86 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 3.14% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $3.4 million, 55% above the same quarter a year earlier. Over the same year, loans grew 8.2% and deposits grew 0.2%. Credit is the area to watch: it carries problem assets equal to 11.7% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Dayspring Bank reported a return on assets of 1.10%, a nonperforming-loan ratio of 1.73% and a Texas ratio of 11.65%. The figures come from its call report filed with the FFIEC.
Dayspring Bank ranks as the 14th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $1.23B, loans rose 4.4% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.0% of total loans, ahead of owner-occupied commercial real estate loans at 17.1%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in NE; its Gothenburg 2 offices book 64% of its branch deposits. Judged on its Q2 2026 call report, Dayspring Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 914 Lake Ave, Gothenburg, NE 69138
- County
- Dawson
- Metro Area
- Lexington, NE
- 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 grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 121
- Domestic deposits
- $927.6M
- Allowance for credit losses
- $11.2M
- Net charge-offs (YTD)
- -$150K
- Average total assets
- $1.22B
- Average total loans
- $843.5M
- Average interest-bearing deposits
- $818.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13622
- Fed RSSD
- 151957
- SEC CIK
- 1790626 → filed by NEBRASKA BANKSHARES, INC.
- Website
- dayspring.bank →
- Parent Holding Company
- FIRST GOTHENBURG BANCSHARES, INC. (RSSD 1057252)
- Ultimate Parent
- NEBRASKA BANKSHARES, INC. (RSSD 1054765)
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, Dayspring Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Dayspring Bank's total assets ranged from $980.4M (Q4 2023) to $1.23B (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
$1.23B total assets against $1.15B; $1.11B total liabilities against $1.04B.
$854.5M net loans and leases against $788.8M; $927.6M total deposits against $925.7M.
$214.4M securities against $211.9M; $56.4M cash and balances due against $52.0M.
$16.8M total interest income against $16.0M; $8.5M total interest expense against $9.4M.
$8.3M net interest income against $6.6M.
$1.9M total noninterest income against $3.0M; $6.0M total noninterest expense against $5.2M.
$275K provision for credit losses against $1.9M.
$3.4M net income against $2.2M.
1.10% return on assets against 0.74%; 2.86% net interest margin against 2.36%.
10.71% tier 1 leverage ratio against 10.26%.
Inside the full Dayspring Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDayspring Bank rankings
Its closest position to the top of a national ranking is 498 of 3,640, for Texas Ratio; its furthest is 898 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.38% (Q4 2024) to 1.15% (Q3 2024) and its net interest margin ran from 1.92% (Q3 2024) to 2.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.71% | 1.10% | 1.73% | 11.65% | 2.86% |
| Q1 2026 | 10.52% | 0.97% | 1.78% | 12.18% | 2.80% |
| Q4 2025 | 10.49% | 1.13% | 1.76% | 11.55% | 2.59% |
| Q3 2025 | 10.40% | 0.84% | 1.37% | 9.43% | 2.46% |
| Q2 2025 | 10.26% | 0.74% | 1.02% | 10.34% | 2.36% |
| Q1 2025 | 10.35% | 0.65% | 1.67% | 11.21% | 2.24% |
| Q4 2024 | 10.04% | 0.38% | 1.55% | 10.57% | 1.95% |
| Q3 2024 | 10.19% | 1.15% | 1.22% | 7.96% | 1.92% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Dayspring Bank (main office) | Gothenburg , NE | 69138 | $590.4M |
| First State Bank - Ralston Branch | Ralston , NE | 68127 | $198.4M |
| Mullen Branch | Mullen , NE | 69152 | $66.1M |
| North Platte Rodeo Road Branch | North Platte , NE | 69101 | $44.6M |
| Wallace Branch | Wallace , NE | 69169 | $26.2M |
| Gretna Branch | Gretna , NE | 68028 | $1.6M |
| Papillion Branch | Papillion , NE | 68046 | $103K |
| Detached Tellers' Facility | Gothenburg , NE | 69138 | $0 |
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 |
|---|---|---|---|
| July 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2016 | Structure Change | Acquired Farmers State Bank 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
- 1.0% of deposits in NE, rank 19 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 366 applications, 305 loans originated, $83.8M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K 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 Dayspring Bank
What are Dayspring Bank's total assets?
As of the Q2 2026 filing, Dayspring Bank reported total assets of $1.23 billion in its FFIEC call report.
Where is Dayspring Bank headquartered?
It is headquartered in Gothenburg, NE, United States.
When was Dayspring Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Dayspring Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dayspring Bank?
Dayspring Bank's primary federal regulator is the FDIC.
How many branches does Dayspring Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dayspring Bank's Texas Ratio?
Its Texas Ratio is 11.65% 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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