Nebraska State Bank (Oshkosh, 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 Oshkosh, NE, established in 1921 (FDIC certificate 9819), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $74.1M, up 8.9% from Q2 2025, the 117th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.08% 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
- 9819
- Headquarters
- Oshkosh, NE
- Established
- 1921
- Total assets, Q2 2026
- $74.1M
- Assets vs Q2 2025
- +8.9%
- Tier 1 leverage ratio, Q2 2026
- 18.08%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104108316
- Latest call report
- Q2 2026, FFIEC 051 · Nebraska State Bank call report
- Holding company
- O & F CATTLE COMPANY
- Asset rank in state
- 117th of 138 in Nebraska
Nebraska State Bank is one of the more profitable banks of its size. The Oshkosh, Nebraska bank had $74 million in assets at June 30, 2026, up 8.9% from a year earlier. It earns about $5.00 a year on every $100 of assets, 4.7 times the median of $1.06 for the 583 banks with less than $100 million in assets. It also spends about 31 cents to bring in each dollar of revenue, about half the median of 69 cents for banks its size.
Net income for the quarter rose 25% from a year earlier, to $853,000. Over the same year, loans shrank 2.1% and deposits grew 9.6%. Credit is the area to watch: it carries problem assets equal to 13.8% of the capital and reserves that would absorb them, 10.0 times the median of 1.4% for banks its size.
As of June 30, 2026, Nebraska State Bank reported a return on assets of 5.00%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 13.83%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Nebraska State Bank is the 117th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $74.1M, loans rose 3.8% and deposits fell 1.3%. Farmland and other real estate loans made up 69.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 26.7%. The FDIC Summary of Deposits lists a single office for it, in Oshkosh, NE. Judged on its Q2 2026 call report, Nebraska State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 218 Main St, Oshkosh, NE 69154
- County
- Garden
- 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
- June 21, 1921
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $61.0M
- Allowance for credit losses
- $533K
- Net charge-offs (YTD)
- $0
- Average total assets
- $68.2M
- Average total loans
- $55.7M
- Average interest-bearing deposits
- $46.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9819
- Fed RSSD
- 911759
- Website
- www.fsa-loans.com →
- Parent Holding Company
- O & F CATTLE COMPANY (RSSD 1051399)
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 $61.0M (Q1 2024) and a high of $74.1M (Q2 2026) from Q3 2023 to 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
$74.1M total assets against $68.1M; $61.8M total liabilities against $56.4M.
$55.0M net loans and leases against $56.2M; $61.0M total deposits against $55.7M.
$1.9M securities against $2.0M; $13.5M cash and balances due against $7.3M.
$1.2M total interest income against $1.2M; $324K total interest expense against $328K.
$877K net interest income against $862K.
$299K total noninterest income against $311K; $366K total noninterest expense against $387K.
$5K provision for credit losses against $100K.
$853K net income against $681K.
5.00% return on assets against 4.13%; 5.52% net interest margin against 5.53%.
18.08% tier 1 leverage ratio against 17.72%.
Inside the full Nebraska State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 3.35% (Q3 2025) to 5.00% (Q2 2026) and its net interest margin ran from 4.48% (Q3 2025) to 5.53% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.08% | 5.00% | 1.40% | 13.83% | 5.52% |
| Q1 2026 | 16.84% | 4.31% | 0.15% | 9.01% | 5.01% |
| Q4 2025 | 18.97% | 4.21% | 0.00% | 7.43% | 5.27% |
| Q3 2025 | 18.51% | 3.35% | 0.72% | 11.02% | 4.48% |
| Q2 2025 | 17.72% | 4.13% | 1.77% | 8.21% | 5.53% |
| Q1 2025 | 16.45% | 4.66% | 4.07% | 19.02% | 5.18% |
| Q4 2024 | 18.75% | 4.70% | 0.00% | 0.00% | 5.39% |
| Q3 2024 | 18.19% | 4.59% | 0.00% | 0.00% | 5.52% |
Swipe the table sideways to see every column.
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) | Oshkosh , NE | 69154 | $61.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 131 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $274K approved, $274K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 Nebraska State Bank
What are Nebraska State Bank's total assets?
As of the Q2 2026 filing, Nebraska State Bank reported total assets of $74.1 million in its FFIEC call report.
Where is Nebraska State Bank headquartered?
It is headquartered in Oshkosh, NE, United States.
When was Nebraska State Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Nebraska State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9819). 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 13.83% 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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