Nebraska State Bank and Trust Company
BankRegReports is independent of Nebraska State Bank and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Nebraska State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Broken Bow, NE, established in 1917 (FDIC certificate 8322), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $285.8M, up 3.8% from Q2 2025, the 64th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 15.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8322
- Headquarters
- Broken Bow, NE
- Established
- 1917
- Total assets, Q2 2026
- $285.8M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 15.49%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104110919
- Latest call report
- Q2 2026, FFIEC 051 · Nebraska State Bank and Trust Company call report
- Holding company
- FIRST CENTRAL NEBRASKA CO.
- Asset rank in state
- 64th of 138 in Nebraska
Nebraska State Bank and Trust Company, based in Broken Bow, Nebraska, reported $286 million in assets at June 30, 2026, up 3.8% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $2.11 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Net income for the quarter rose 12% from a year earlier, to $1.5 million.
As of June 30, 2026, Nebraska State Bank and Trust Company reported a CET1 capital ratio of 15.49%, a return on assets of 2.11%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Nebraska State Bank and Trust Company is the 64th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $285.8M, loans rose 1.3% and deposits rose 0.8%. Farmland and other real estate loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 23.0%. Its 4 offices in the FDIC Summary of Deposits are in Broken Bow, NE, Merna, NE and Callaway, NE; its Broken Bow 2 offices book 84% of its branch deposits. By the capital ratios in its Q2 2026 call report, Nebraska State Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 945 S D St, Broken Bow, NE 68822
- County
- Custer
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 23, 1917
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $233.7M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- -$28K
- Average total assets
- $286.9M
- Average total loans
- $220.0M
- Average interest-bearing deposits
- $194.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8322
- Fed RSSD
- 412153
- Website
- www.nesb.bank →
- Parent Holding Company
- FIRST CENTRAL NEBRASKA CO. (RSSD 1051072)
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 State Bank and Trust Company's total assets ranged from $271.1M (Q3 2023) to $297.5M (Q4 2024), 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
$285.8M total assets against $275.3M; $250.8M total liabilities against $244.0M.
$219.9M net loans and leases against $219.4M; $233.7M total deposits against $226.4M.
$44.8M securities against $41.6M; $12.3M cash and balances due against $5.2M.
$4.0M total interest income against $3.9M; $992K total interest expense against $1.1M.
$3.0M net interest income against $2.8M.
$211K total noninterest income against $203K; $1.7M total noninterest expense against $1.7M.
$30K provision for credit losses against $0.
$1.5M net income against $1.3M.
2.11% return on assets against 1.92%; 4.42% net interest margin against 4.23%.
15.49% CET1 capital ratio; 12.96% tier 1 leverage ratio against 12.32%.
Inside the full Nebraska State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNebraska State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 390 of 3,611, for ROA; its furthest is 3,336 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.32% (Q3 2025) to 2.11% (Q2 2026) and its net interest margin ran from 3.89% (Q4 2024) to 4.42% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.49% | 2.11% | 0.00% | 0.01% | 4.42% |
| Q1 2026 | 15.39% | 1.70% | 0.00% | 0.03% | 4.32% |
| Q4 2025 | 15.03% | 2.09% | 0.00% | 0.02% | 4.35% |
| Q3 2025 | — | 1.32% | 0.00% | 0.03% | 4.26% |
| Q2 2025 | — | 1.92% | 0.12% | 0.80% | 4.23% |
| Q1 2025 | — | 1.73% | 0.01% | 0.05% | 4.01% |
| Q4 2024 | — | 1.75% | 0.01% | 0.10% | 3.89% |
| Q3 2024 | — | 1.54% | 0.02% | 0.75% | 3.96% |
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 |
|---|---|---|---|
| Nebraska State Bank and Trust Company (main office) | Broken Bow , NE | 68822 | $184.3M |
| Merna Branch | Merna , NE | 68856 | $23.5M |
| Callaway Branch | Callaway , NE | 68825 | $14.4M |
| Broken Bow East Branch | Broken Bow , NE | 68822 | $11.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 31, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 31, 2008 | Structure Change | Acquired The Farmers Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1989 | Structure Change | Acquired State Bank of Merna Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 72 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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
Add this badge to your website
Free to use. It shows Nebraska State Bank and Trust Company’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Nebraska State Bank and Trust Company
What are Nebraska State Bank and Trust Company's total assets?
As of the Q2 2026 filing, Nebraska State Bank and Trust Company reported total assets of $285.8 million in its FFIEC call report.
Where is Nebraska State Bank and Trust Company headquartered?
It is headquartered in Broken Bow, NE, United States.
When was Nebraska State Bank and Trust Company founded?
It was established in 1917, per the FDIC institution directory.
Is Nebraska State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8322). 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 and Trust Company?
Nebraska State Bank and Trust Company's primary federal regulator is the FDIC.
What is Nebraska State Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Nebraska State Bank and Trust Company 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 Nebraska State Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.01% 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.
Go deeper on Nebraska State Bank and Trust Company.
Get an email when Nebraska State Bank and Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Nebraska State Bank and Trust Company, freeFree account