Sidney Federal Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Sidney Federal Savings and Loan Association is an FDIC-insured savings institution headquartered in Sidney, NE, established in 1899 (FDIC certificate 29379), and it is supervised by the OCC. At Q2 2026 it reported total assets of $55.6M, up 30.5% from Q2 2025, the 128th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 35.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29379
- Headquarters
- Sidney, NE
- Established
- 1899
- Total assets, Q2 2026
- $55.6M
- Assets vs Q2 2025
- +30.5%
- CET1 ratio, Q2 2026
- 35.16%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 304172210
- Latest call report
- Q2 2026, FFIEC 051 · Sidney Federal Savings and Loan Association call report
- Asset rank in state
- 128th of 138 in Nebraska
Problem loans are rising at Sidney Federal Savings and Loan Association. Its balance sheet stood at $56 million at June 30, 2026, up 30.5% from a year earlier; it is based in Sidney, Nebraska. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.42% of loans from 0.05% a year earlier. It spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 69 cents). It also grew its loan book 136.1% over the year, 52.5 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $234,000, 60% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Sidney Federal Savings and Loan Association reported a CET1 capital ratio of 35.16%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 0.87%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Sidney Federal Savings and Loan Association is the 128th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.2% to $55.6M, loans rose 25.8% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.5% of total loans, followed by construction and land development loans at 32.8%. The FDIC Summary of Deposits lists a single office for it, in Sidney, NE. Judged on its Q2 2026 call report, Sidney Federal Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1045 10th Ave, Sidney, NE 69162
- County
- Cheyenne
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $44.6M
- Allowance for credit losses
- $125K
- Net charge-offs (YTD)
- $2K
- Average total assets
- $53.9M
- Average total loans
- $13.0M
- Average interest-bearing deposits
- $42.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29379
- Fed RSSD
- 304575
- Website
- www.sidneyfederal.com →
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
Sidney Federal Savings and Loan Association's total assets moved between a low of $14.0M (Q2 2024) and a high of $55.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$55.6M total assets against $42.6M; $47.7M total liabilities against $35.6M.
$15.4M net loans and leases against $6.5M; $44.6M total deposits against $35.3M.
$17.5M securities against $370K; $21.5M cash and balances due against $34.8M.
$602K total interest income against $314K; $121K total interest expense against $120K.
$481K net interest income against $194K.
$6K total noninterest income against $6K; $193K total noninterest expense against $54K.
$12K provision for credit losses against $0.
$234K net income against $146K.
1.74% return on assets against 1.98%; 3.68% net interest margin against 3.14%.
35.16% CET1 capital ratio against 51.17%; 14.24% tier 1 leverage ratio against 22.86%.
Inside the full Sidney Federal Savings and Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.05% (Q1 2025) to 2.08% (Q4 2025) and its net interest margin ran from 2.18% (Q4 2024) to 3.91% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 35.16% | 1.74% | 0.42% | 0.87% | 3.68% |
| Q1 2026 | 39.15% | 1.85% | 0.65% | 1.07% | 3.58% |
| Q4 2025 | 45.98% | 2.08% | 0.00% | 0.00% | 3.91% |
| Q3 2025 | 46.42% | 1.91% | 0.00% | 0.00% | 3.62% |
| Q2 2025 | 51.17% | 1.98% | 0.05% | 0.04% | 3.14% |
| Q1 2025 | 3.93% | -3.05% | 0.20% | 3.75% | 2.42% |
| Q4 2024 | 5.25% | -2.97% | 0.42% | 6.31% | 2.18% |
| Q3 2024 | 6.51% | -2.84% | 0.62% | 7.89% | 2.55% |
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 |
|---|---|---|---|
| Sidney Federal Savings and Loan Association (main office) | Sidney , NE | 69162 | $44.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- January 19, 2021, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Sidney Federal Savings and Loan Association
- April 15, 1992, OCC (former OTS): Supervisory Agreement: Sidney Federal Savings and loan Association
- September 17, 1991, OCC (former OTS): Supervisory Agreement: Sidney Federal Savings and Loan Association
- Period: Most recent institution action January 19, 2021. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 143 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- 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 Sidney Federal Savings and Loan Association
What are Sidney Federal Savings and Loan Association's total assets?
As of the Q2 2026 filing, Sidney Federal Savings and Loan Association reported total assets of $55.6 million in its FFIEC call report.
Where is Sidney Federal Savings and Loan Association headquartered?
It is headquartered in Sidney, NE, United States.
When was Sidney Federal Savings and Loan Association founded?
It was established in 1899, per the FDIC institution directory.
Is Sidney Federal Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sidney Federal Savings and Loan Association?
Sidney Federal Savings and Loan Association's primary federal regulator is the OCC.
What is Sidney Federal Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 35.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sidney Federal Savings and Loan Association 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 Sidney Federal Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.87% 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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