Henderson State Bank
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Data as of · sourced from FFIEC call reports. How we update
Henderson State Bank is an FDIC-insured commercial bank headquartered in Henderson, NE, established in 1943 (FDIC certificate 17229), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $678.5M, up 23.6% from Q2 2025, the 26th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.41% 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
- 17229
- Headquarters
- Henderson, NE
- Established
- 1943
- Total assets, Q2 2026
- $678.5M
- Assets vs Q2 2025
- +23.6%
- Tier 1 leverage ratio, Q2 2026
- 10.41%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 104913530
- Latest call report
- Q2 2026, FFIEC 051 · Henderson State Bank call report
- Holding company
- HENDERSON STATE COMPANY
- Asset rank in state
- 26th of 138 in Nebraska
Henderson State Bank runs leaner than most banks of its size. The Henderson, Nebraska bank had $678 million in assets at June 30, 2026, up 23.6% from a year earlier. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.97% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 25.3% and deposits rose 18.1%. Its $65 million commercial and industrial book is improving, with 1.50% past due or on nonaccrual, down from 2.68% a year earlier.
As of June 30, 2026, Henderson State Bank reported a return on assets of 1.58%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
Henderson State Bank ranks as the 26th 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 rose 6.9% to $678.5M, loans rose 8.4% and deposits rose 6.6%. Its loan book on June 30, 2026 was led by agricultural production loans, at 48.0% of total loans, followed by farmland and other real estate loans at 17.8%. Its 12 offices in the FDIC Summary of Deposits are in 12 cities in NE; its Henderson office books 49% of its branch deposits. Judged on its Q2 2026 call report, Henderson State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1040 N Main St, Henderson, NE 68371
- County
- York
- 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
- October 13, 1943
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $510.7M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $661.2M
- Average total loans
- $539.4M
- Average interest-bearing deposits
- $450.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 17, 1953
- FDIC Cert
- 17229
- Fed RSSD
- 97055
- Website
- www.hendersonstate.bank →
- Parent Holding Company
- HENDERSON STATE COMPANY (RSSD 1055847)
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, Henderson State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Henderson State Bank's total assets ran between $321.9M (Q3 2023) and $678.5M (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
$678.5M total assets against $548.7M; $610.5M total liabilities against $495.6M.
$558.6M net loans and leases against $445.8M; $510.7M total deposits against $432.6M.
$84.5M securities against $74.4M; $6.3M cash and balances due against $6.1M.
$10.8M total interest income against $8.8M; $4.4M total interest expense against $3.7M.
$6.4M net interest income against $5.0M.
$398K total noninterest income against $358K; $3.1M total noninterest expense against $2.5M.
$389K provision for credit losses against $75K.
$2.6M net income against $2.2M.
1.58% return on assets against 1.71%; 4.04% net interest margin against 4.01%.
10.41% tier 1 leverage ratio against 10.59%.
Inside the full Henderson State 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.
Henderson State Bank rankings
Its closest position to the top of a national ranking is 362 of 3,606, for efficiency ratio; its furthest is 2,042 of 3,640, for Texas Ratio.
Banks merged into Henderson State Bank
- The Culbertson Bank, effective October 4, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q4 2024) to 1.81% (Q3 2025) and its net interest margin ran from 3.19% (Q3 2024) to 4.08% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.41% | 1.58% | 0.27% | 2.50% | 4.04% |
| Q1 2026 | 10.57% | 1.58% | 0.16% | 1.16% | 3.96% |
| Q4 2025 | 10.55% | 1.56% | 0.20% | 1.48% | 4.02% |
| Q3 2025 | 9.95% | 1.81% | 0.30% | 2.60% | 4.08% |
| Q2 2025 | 10.59% | 1.71% | 0.55% | 3.41% | 4.01% |
| Q1 2025 | 10.30% | 1.51% | 0.01% | 0.10% | 3.78% |
| Q4 2024 | 10.65% | 1.19% | 0.00% | 0.00% | 3.48% |
| Q3 2024 | 10.67% | 1.29% | 0.00% | 0.00% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Henderson State Bank (main office) | Henderson , NE | 68371 | $250.1M |
| Henderson State Bank (main office) | York , NE | 68467 | $53.3M |
| Community First Bank | Trenton , NE | 69044 | $40.9M |
| Community First Bank Branch | Maywood , NE | 69038 | $31.1M |
| Community First Bank Branch | Stapleton , NE | 69163 | $28.6M |
| Giltner State Bank | Giltner , NE | 68841 | $27.5M |
| Henderson State Bank (main office) | Greeley , NE | 68842 | $25.8M |
| Community First Bank Branch | Big Springs , NE | 69122 | $20.9M |
| The Culbertson Bank Branch | Culbertson , NE | 69024 | $10.1M |
| Henderson State Bank Branch Dba Mccook State Bank | Mccook , NE | 69001 | $10.0M |
| Hsb - Omaha Branch | Omaha , NE | 68116 | $9.4M |
| Henderson State Bank - North Platte Branch | North Platte , NE | 69101 | $2.9M |
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 |
|---|---|---|---|
| October 4, 2025 | Structure Change | Acquired The Culbertson Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 2024 | Structure Change | Acquired Community First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 33 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $425K approved, $425K 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, 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 Henderson State Bank
What are Henderson State Bank's total assets?
As of the Q2 2026 filing, Henderson State Bank reported total assets of $678.5 million in its FFIEC call report.
Where is Henderson State Bank headquartered?
It is headquartered in Henderson, NE, United States.
When was Henderson State Bank founded?
It was established in 1943, per the FDIC institution directory.
Is Henderson State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Henderson State Bank?
Henderson State Bank's primary federal regulator is the FDIC.
How many branches does Henderson State Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Henderson State Bank's Texas Ratio?
Its Texas Ratio is 2.50% 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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