I3 Bank
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Data as of · sourced from FFIEC call reports. How we update
I3 Bank is an FDIC-insured commercial bank headquartered in Bennington, NE, established in 1928 (FDIC certificate 8595), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $225.5M, up 10.1% from Q2 2025, the 76th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 10.53% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8595
- Headquarters
- Bennington, NE
- Established
- 1928
- Total assets, Q2 2026
- $225.5M
- Assets vs Q2 2025
- +10.1%
- CET1 ratio, Q2 2026
- 10.53%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104913019
- Holding company
- HILLTOP BANCSHARES, INC.
- Asset rank in state
- 76th of 138 in Nebraska
I3 Bank pays more for its money than most banks of its size. It reported $225 million in assets at June 30, 2026, up 10.1% from a year earlier. It pays an average of 3.21% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 10.53% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $481,000, 55% above the same quarter a year earlier. Its $33 million commercial and industrial book is improving, with 0.78% past due or on nonaccrual, down from 8.21% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, 2.6 times the median of 1.2 times for banks its size.
As of June 30, 2026, I3 Bank reported a CET1 capital ratio of 10.53%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.77%. The figures come from its call report filed with the FFIEC.
I3 Bank ranks as the 76th 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 fell 0.3% to $225.5M, loans fell 3.4% and deposits fell 0.8%. 1-4 family residential loans made up 22.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.3%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in NE; its Bennington 2 offices book 70% of its branch deposits. Judged on its Q2 2026 call report, I3 Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12212 N 156th St, Bennington, NE 68007
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 28, 1928
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $195.8M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $627K
- Average total assets
- $232.3M
- Average total loans
- $174.8M
- Average interest-bearing deposits
- $119.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8595
- Fed RSSD
- 348159
- Website
- www.i3.bank →
- Parent Holding Company
- HILLTOP BANCSHARES, INC. (RSSD 1062126)
- Ultimate Parent
- BBIG HOLDINGS, LLC (RSSD 4459754)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
I3 Bank's total assets moved between a low of $186.3M (Q3 2023) and a high of $226.2M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$225.5M total assets against $204.8M; $207.2M total liabilities against $187.6M.
$168.7M net loans and leases against $149.2M; $195.8M total deposits against $186.4M.
$33.0M securities against $29.7M; $9.5M cash and balances due against $13.6M.
$3.9M total interest income against $3.3M; $1.4M total interest expense against $1.1M.
$2.6M net interest income against $2.2M.
$420K total noninterest income against $242K; $2.0M total noninterest expense against $1.9M.
$461K provision for credit losses against $204K.
$481K net income against $311K.
0.83% return on assets against 0.61%; 4.61% net interest margin against 4.51%.
10.53% CET1 capital ratio against 11.32%; 8.80% tier 1 leverage ratio against 9.80%.
Inside the full I3 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
I3 Bank rankings
Its closest position to the top of a national ranking is 1,930 of 3,640, for Texas Ratio; its furthest is 2,043 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.22% (Q4 2024) to 0.99% (Q1 2026) and its net interest margin ran from 3.72% (Q3 2024) to 4.77% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.53% | 0.83% | 0.33% | 2.77% | 4.61% |
| Q1 2026 | 10.08% | 0.99% | 2.08% | 9.45% | 4.73% |
| Q4 2025 | 10.55% | 0.97% | 1.54% | 4.55% | 4.77% |
| Q3 2025 | 10.39% | 0.37% | 1.60% | 4.70% | 4.60% |
| Q2 2025 | 11.32% | 0.61% | 2.47% | 7.58% | 4.51% |
| Q1 2025 | 11.22% | 0.46% | 2.43% | 7.22% | 4.73% |
| Q4 2024 | 10.95% | -0.22% | 2.94% | 12.67% | 4.18% |
| Q3 2024 | 11.52% | 0.17% | 3.18% | 13.90% | 3.72% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| I3 Bank (main office) | Bennington , NE | 68007 | $137.5M |
| 2433 Silver Street Branch | Ashland , NE | 68003 | $30.9M |
| Maple Branch | Omaha , NE | 68116 | $17.8M |
| Lincoln Branch | Lincoln , NE | 68502 | $9.5M |
| Mobile Branch | Bennington , NE | 68007 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 81 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 64 applications, 59 loans originated, $22.6M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $378K approved, $378K 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 I3 Bank
What are I3 Bank's total assets?
As of the Q2 2026 filing, I3 Bank reported total assets of $225.5 million in its FFIEC call report.
Where is I3 Bank headquartered?
It is headquartered in Bennington, NE, United States.
When was I3 Bank founded?
It was established in 1928, per the FDIC institution directory.
Is I3 Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates I3 Bank?
I3 Bank's primary federal regulator is the Federal Reserve.
What is I3 Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.53% in its Q2 2026 call report, above regulatory requirements.
How many branches does I3 Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is I3 Bank's Texas Ratio?
Its Texas Ratio is 2.77% 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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