Nebraska Bank of Commerce
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Data as of · sourced from FFIEC call reports. How we update
Nebraska Bank of Commerce is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 2007 (FDIC certificate 58724), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $241.2M, up 17.3% from Q2 2025, the 71st largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58724
- Headquarters
- Lincoln, NE
- Established
- 2007
- Total assets, Q2 2026
- $241.2M
- Assets vs Q2 2025
- +17.3%
- CET1 ratio, Q2 2026
- 11.86%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104989852
- Latest call report
- Q2 2026, FFIEC 051 · Nebraska Bank of Commerce call report
- Holding company
- NBC BANCSHARES LLC
- Asset rank in state
- 71st of 138 in Nebraska
Nebraska Bank of Commerce pays more for its money than most banks of its size. It reported $241 million in assets at June 30, 2026, up 17.3% from a year earlier. It pays an average of 3.34% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $785,000, 99% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($60 million) is worsening: 2.74% of it is past due or on nonaccrual, up from 0.83% a year earlier. Where it has less room is capital: it holds common equity equal to 11.86% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, Nebraska Bank of Commerce reported a CET1 capital ratio of 11.86%, a return on assets of 1.30%, 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.
Of the 138 banks headquartered in Nebraska, Nebraska Bank of Commerce is the 71st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $241.2M, loans rose 0.5% and deposits rose 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 27.7%. Its 2 offices in the FDIC Summary of Deposits are in Lincoln, NE. Judged on its Q2 2026 call report, Nebraska Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6000 Village Dr, Lincoln, NE 68516
- County
- Lancaster
- Metro Area
- Lincoln, 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
- December 3, 2007
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $204.9M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $241.4M
- Average total loans
- $214.8M
- Average interest-bearing deposits
- $183.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 3, 2007
- FDIC Cert
- 58724
- Fed RSSD
- 3614846
- Website
- www.thenbcbank.com →
- Parent Holding Company
- NBC BANCSHARES LLC (RSSD 4181130)
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
From Q3 2023 to Q2 2026, Nebraska Bank of Commerce's total assets ranged from $179.9M (Q3 2023) to $241.2M (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
$241.2M total assets against $205.7M; $218.0M total liabilities against $184.5M.
$212.6M net loans and leases against $180.8M; $204.9M total deposits against $181.1M.
$7.5M securities against $9.3M; $17.9M cash and balances due against $12.9M.
$4.0M total interest income against $3.1M; $1.8M total interest expense against $1.5M.
$2.2M net interest income against $1.6M.
$171K total noninterest income against $93K; $1.2M total noninterest expense against $1.1M.
$57K provision for credit losses against $77K.
$785K net income against $394K.
1.30% return on assets against 0.77%; 3.64% net interest margin against 3.11%.
11.86% CET1 capital ratio against 12.61%; 9.56% tier 1 leverage ratio against 10.28%.
Inside the full Nebraska Bank of Commerce 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.
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).
Nebraska Bank of Commerce rankings
Its closest position to the top of a national ranking is 1,011 of 3,606, for efficiency ratio; its furthest is 1,752 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.56% (Q3 2024) to 1.30% (Q2 2026) and its net interest margin ran from 2.53% (Q3 2024) to 3.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.86% | 1.30% | 0.33% | 2.77% | 3.64% |
| Q1 2026 | 11.51% | 0.82% | 0.20% | 1.74% | 3.12% |
| Q4 2025 | 11.82% | 0.74% | 0.19% | 1.53% | 3.30% |
| Q3 2025 | 12.05% | 0.77% | 0.04% | 0.30% | 3.16% |
| Q2 2025 | 12.61% | 0.77% | 0.05% | 0.36% | 3.11% |
| Q1 2025 | 12.72% | 0.74% | 0.20% | 1.55% | 2.99% |
| Q4 2024 | 12.66% | 0.60% | 0.06% | 0.43% | 2.71% |
| Q3 2024 | 12.63% | 0.56% | 0.25% | 1.85% | 2.53% |
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 |
|---|---|---|---|
| Nebraska Bank of Commerce (main office) | Lincoln , NE | 68516 | $143.8M |
| Lincoln Downtown Branch | Lincoln , NE | 68508 | $61.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 77 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 136 applications, 115 loans originated, $29.4M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $113K approved, $113K 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 Nebraska Bank of Commerce
What are Nebraska Bank of Commerce's total assets?
As of the Q2 2026 filing, Nebraska Bank of Commerce reported total assets of $241.2 million in its FFIEC call report.
Where is Nebraska Bank of Commerce headquartered?
It is headquartered in Lincoln, NE, United States.
When was Nebraska Bank of Commerce founded?
It was established in 2007, per the FDIC institution directory.
Is Nebraska Bank of Commerce FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58724). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nebraska Bank of Commerce?
Nebraska Bank of Commerce's primary federal regulator is the FDIC.
What is Nebraska Bank of Commerce's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Nebraska Bank of Commerce 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 Nebraska Bank of Commerce'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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