Hershey Bank
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Data as of · sourced from FFIEC call reports. How we update
Hershey Bank is an FDIC-insured commercial bank headquartered in Hershey, NE, established in 1968 (FDIC certificate 19809), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $141.1M, up 18.1% from Q2 2025, the 93rd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.24% 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
- 19809
- Headquarters
- Hershey, NE
- Established
- 1968
- Total assets, Q2 2026
- $141.1M
- Assets vs Q2 2025
- +18.1%
- Tier 1 leverage ratio, Q2 2026
- 13.24%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104101559
- Holding company
- HSB MERGER CO.
- Asset rank in state
- 93rd of 138 in Nebraska
Hershey Bank, based in Hershey, Nebraska, reported $141 million in assets at June 30, 2026, up 18.1% from a year earlier. It grew deposits 18.0% over the year, 4.4 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.43% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 26% from a year earlier, to $427,000. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.80% of loans, down from 0.95% a year earlier.
As of June 30, 2026, Hershey Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 1.22% and a Texas ratio of 5.67%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Hershey Bank is the 93rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $141.1M, loans rose 7.2% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 25.2% of total loans, followed by agricultural production loans at 19.5%. Its 4 offices in the FDIC Summary of Deposits are in Hershey, NE, North Platte, NE and Elkhorn, NE; its Hershey 2 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hershey Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Lincoln Ave, Hershey, NE 69143
- County
- Lincoln
- Metro Area
- North Platte, 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
- —
- Call Report form
- FFIEC 051
- Established
- March 27, 1968
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $109.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $136.1M
- Average total loans
- $113.0M
- Average interest-bearing deposits
- $95.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 27, 1968
- FDIC Cert
- 19809
- Fed RSSD
- 96553
- SEC CIK
- 1784810 → filed by HSB MERGER CO.
- Website
- WWW.HERSHEYBANK.COM →
- Parent Holding Company
- HSB MERGER CO. (RSSD 5382251)
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, Hershey 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, Hershey Bank's total assets ranged from $95.7M (Q1 2024) to $141.1M (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
$141.1M total assets against $119.6M; $122.4M total liabilities against $103.9M.
$120.2M net loans and leases against $102.4M; $109.0M total deposits against $92.4M.
$6.2M securities against $5.6M; $6.3M cash and balances due against $5.9M.
$2.0M total interest income against $1.8M; $717K total interest expense against $636K.
$1.3M net interest income against $1.2M.
$178K total noninterest income against $140K; $901K total noninterest expense against $844K.
$29K provision for credit losses against $27K.
$427K net income against $338K.
1.25% return on assets against 1.18%; 4.07% net interest margin against 4.28%.
13.24% tier 1 leverage ratio against 12.94%.
Inside the full Hershey 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.
Hershey Bank rankings
Its closest position to the top of a national ranking is 1,186 of 3,640, for Texas Ratio; its furthest is 3,355 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.05% (Q1 2025) to 1.69% (Q3 2025) and its net interest margin ran from 3.86% (Q1 2026) to 4.48% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.24% | 1.25% | 1.22% | 5.67% | 4.07% |
| Q1 2026 | 11.28% | 1.19% | 1.43% | 6.60% | 3.86% |
| Q4 2025 | 11.62% | 1.25% | 1.67% | 8.29% | 4.27% |
| Q3 2025 | 12.33% | 1.69% | 1.90% | 9.28% | 4.30% |
| Q2 2025 | 12.94% | 1.18% | 1.59% | 6.10% | 4.28% |
| Q1 2025 | 12.44% | 1.05% | 1.64% | 6.27% | 3.97% |
| Q4 2024 | 12.36% | 1.44% | 1.62% | 6.44% | 4.48% |
| Q3 2024 | 13.37% | 1.49% | 1.82% | 7.03% | 4.46% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Hershey Bank (main office) | Hershey , NE | 69143 | $62.3M |
| Hershey State Bank, North Platte Branch | North Platte , NE | 69101 | $28.7M |
| Omaha Branch | Elkhorn , NE | 68022 | $18.1M |
| Hershey State Bank Mobile Branch | Hershey , NE | 69143 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 109 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $174K approved, $58K 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 Hershey Bank
What are Hershey Bank's total assets?
As of the Q2 2026 filing, Hershey Bank reported total assets of $141.1 million in its FFIEC call report.
Where is Hershey Bank headquartered?
It is headquartered in Hershey, NE, United States.
When was Hershey Bank founded?
It was established in 1968, per the FDIC institution directory.
Is Hershey Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19809). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hershey Bank?
Hershey Bank's primary federal regulator is the FDIC.
How many branches does Hershey Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hershey Bank's Texas Ratio?
Its Texas Ratio is 5.67% 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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