Stanton State Bank
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Data as of · sourced from FFIEC call reports. How we update
Stanton State Bank is an FDIC-insured commercial bank headquartered in Stanton, NE, established in 1882 (FDIC certificate 5478), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $64.8M, up 6.4% from Q2 2025, the 122nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 16.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5478
- Headquarters
- Stanton, NE
- Established
- 1882
- Total assets, Q2 2026
- $64.8M
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 16.45%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104902033
- Latest call report
- Q2 2026, FFIEC 051 · Stanton State Bank call report
- Holding company
- EBERLY INVESTMENT CO.
- Asset rank in state
- 122nd of 138 in Nebraska
Stanton State Bank operates with a thinner capital cushion than most banks of its size. It reported $65 million in assets at June 30, 2026, up 6.4% from a year earlier. It funds 9.65% of its assets with Tier 1 capital, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 13.06%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.24% of loans from 1.05%. Net income for the quarter rose 23% from a year earlier, to $196,000. One more trend to watch: the commercial and industrial book ($12 million) is worsening: 1.18% of it is past due or on nonaccrual, up from 0.09% a year earlier.
As of June 30, 2026, Stanton State Bank reported a CET1 capital ratio of 16.45%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.38%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Stanton State Bank is the 122nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $64.8M, loans rose 5.3% and deposits rose 2.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.0% of total loans, followed by commercial and industrial loans at 31.4%. The FDIC Summary of Deposits lists 2 offices for it, in Stanton, NE and Norfolk, NE; its Stanton office books 86% of its branch deposits. Judged on its Q2 2026 call report, Stanton State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 924 Ivy St, Stanton, NE 68779
- County
- Stanton
- Metro Area
- Norfolk, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1882
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $58.4M
- Allowance for credit losses
- $444K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $63.9M
- Average total loans
- $36.1M
- Average interest-bearing deposits
- $48.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5478
- Fed RSSD
- 382256
- Website
- www.stantonstatebank.com →
- Parent Holding Company
- EBERLY INVESTMENT CO. (RSSD 1066759)
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
Over the 12 quarters to Q2 2026, Stanton State Bank's total assets ran between $57.3M (Q4 2024) and $64.8M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$64.8M total assets against $60.9M; $58.7M total liabilities against $55.4M.
$37.1M net loans and leases against $35.1M; $58.4M total deposits against $55.2M.
$17.8M securities against $18.8M; $8.3M cash and balances due against $5.4M.
$807K total interest income against $734K; $214K total interest expense against $234K.
$593K net interest income against $500K.
$39K total noninterest income against $43K; $436K total noninterest expense against $384K.
$0 provision for credit losses against $0.
$196K net income against $159K.
1.23% return on assets against 1.03%; 3.94% net interest margin against 3.40%.
16.45% CET1 capital ratio against 15.44%; 9.65% tier 1 leverage ratio against 9.13%.
Inside the full Stanton 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 -0.45% (Q4 2024) to 1.34% (Q1 2026) and its net interest margin ran from 3.09% (Q1 2025) to 3.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.45% | 1.23% | 0.24% | 1.38% | 3.94% |
| Q1 2026 | 16.35% | 1.34% | 0.26% | 1.48% | 3.76% |
| Q4 2025 | 15.01% | -0.25% | 0.82% | 5.07% | 3.71% |
| Q3 2025 | 15.22% | 1.18% | 0.97% | 5.81% | 3.67% |
| Q2 2025 | 15.44% | 1.03% | 1.05% | 6.31% | 3.40% |
| Q1 2025 | 15.53% | 0.36% | 1.06% | 6.30% | 3.09% |
| Q4 2024 | 16.05% | -0.45% | 0.00% | 0.00% | 3.21% |
| Q3 2024 | 16.58% | 0.74% | 0.31% | 1.76% | 3.17% |
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 |
|---|---|---|---|
| Stanton State Bank (main office) | Stanton , NE | 68779 | $50.4M |
| Norfolk Branch | Norfolk , NE | 68701 | $8.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 133 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 Stanton State Bank
What are Stanton State Bank's total assets?
As of the Q2 2026 filing, Stanton State Bank reported total assets of $64.8 million in its FFIEC call report.
Where is Stanton State Bank headquartered?
It is headquartered in Stanton, NE, United States.
When was Stanton State Bank founded?
It was established in 1882, per the FDIC institution directory.
Is Stanton State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stanton State Bank?
Stanton State Bank's primary federal regulator is the Federal Reserve.
What is Stanton State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Stanton State Bank 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 Stanton State Bank's Texas Ratio?
Its Texas Ratio is 1.38% 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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