Nebraska State Bank (Lynch, NE)
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Data as of · sourced from FFIEC call reports. How we update
Nebraska State Bank is an FDIC-insured commercial bank headquartered in Lynch, NE, established in 1946 (FDIC certificate 16516), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $25.4M, up 26.8% from Q2 2025, the 136th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.32% 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
- 16516
- Headquarters
- Lynch, NE
- Established
- 1946
- Total assets, Q2 2026
- $25.4M
- Assets vs Q2 2025
- +26.8%
- Tier 1 leverage ratio, Q2 2026
- 11.32%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104113712
- Latest call report
- Q2 2026, FFIEC 051 · Nebraska State Bank call report
- Holding company
- PROVIDENCE BANCSHARES, INC.
- Asset rank in state
- 136th of 138 in Nebraska
Nebraska State Bank is growing quickly. Based in Lynch, Nebraska, it had $25 million in assets at June 30, 2026, up 26.8% from a year earlier. It grew its loan book 75.9% over the year, 29.6 times the median of 2.6% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 12.8% of the capital and reserves that would absorb them, 9.3 times the median of 1.4% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.18% of loans, down from 4.01% a year earlier. Net income for the quarter slipped 26% from a year earlier, to $32,000. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, Nebraska State Bank reported a return on assets of 0.48%, a nonperforming-loan ratio of 3.18% and a Texas ratio of 12.81%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Nebraska State Bank is the 136th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $25.4M, loans rose 26.0% and deposits rose 2.2%. Its loan book on June 30, 2026 was led by agricultural production loans, at 40.4% of total loans, followed by farmland and other real estate loans at 26.3%. The FDIC Summary of Deposits lists a single office for it, in Lynch, NE. Judged on its Q2 2026 call report, Nebraska State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 N Fourth St, Lynch, NE 68746
- County
- Boyd
- 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 9, 1946
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $22.3M
- Allowance for credit losses
- $143K
- Net charge-offs (YTD)
- $0
- Average total assets
- $26.5M
- Average total loans
- $10.3M
- Average interest-bearing deposits
- $15.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 9, 1946
- FDIC Cert
- 16516
- Fed RSSD
- 514057
- Parent Holding Company
- PROVIDENCE BANCSHARES, INC. (RSSD 6128764)
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, Nebraska State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Nebraska State Bank's total assets moved between a low of $17.3M (Q4 2023) and a high of $25.4M (Q2 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
$25.4M total assets against $20.1M; $22.4M total liabilities against $17.1M.
$12.5M net loans and leases against $7.0M; $22.3M total deposits against $17.0M.
$0 securities against $0; $12.7M cash and balances due against $12.8M.
$297K total interest income against $245K; $72K total interest expense against $46K.
$225K net interest income against $199K.
$5K total noninterest income against $6K; $188K total noninterest expense against $148K.
No provision recorded in the last 12 quarters.
$32K net income against $43K.
0.48% return on assets against 0.86%; 3.71% net interest margin against 4.12%.
11.32% tier 1 leverage ratio against 14.58%.
Inside the full Nebraska 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Nebraska State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.73% (Q4 2024) to 1.67% (Q3 2024) and its net interest margin ran from 2.29% (Q3 2025) to 4.58% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | 0.48% | 3.18% | 12.81% | 3.71% |
| Q1 2026 | 13.05% | 0.69% | 3.95% | 12.75% | 3.57% |
| Q4 2025 | 14.10% | 0.58% | 3.95% | 9.75% | 3.54% |
| Q3 2025 | 14.27% | -0.33% | 4.39% | 10.19% | 2.29% |
| Q2 2025 | 14.58% | 0.86% | 4.01% | 9.41% | 4.12% |
| Q1 2025 | 15.27% | 0.77% | 0.00% | 0.00% | 4.22% |
| Q4 2024 | 15.27% | -0.73% | 0.01% | 0.03% | 4.44% |
| Q3 2024 | 15.04% | 1.67% | 0.00% | 0.00% | 4.58% |
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Branch Network
View the branch → 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 State Bank (main office) | Lynch , NE | 68746 | $22.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 155 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 State Bank
What are Nebraska State Bank's total assets?
As of the Q2 2026 filing, Nebraska State Bank reported total assets of $25.4 million in its FFIEC call report.
Where is Nebraska State Bank headquartered?
It is headquartered in Lynch, NE, United States.
When was Nebraska State Bank founded?
It was established in 1946, per the FDIC institution directory.
Is Nebraska State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16516). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nebraska State Bank?
Nebraska State Bank's primary federal regulator is the FDIC.
How many branches does Nebraska State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nebraska State Bank's Texas Ratio?
Its Texas Ratio is 12.81% 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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