State Nebraska Bank &TRUST
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Data as of · sourced from FFIEC call reports. How we update
State Nebraska Bank &TRUST is an FDIC-insured commercial bank headquartered in Wayne, NE, established in 1892 (FDIC certificate 5490), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $244.0M, down 3.4% from Q2 2025, the 69th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 14.69% 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
- 5490
- Headquarters
- Wayne, NE
- Established
- 1892
- Total assets, Q2 2026
- $244.0M
- Assets vs Q2 2025
- -3.4%
- CET1 ratio, Q2 2026
- 14.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104901335
- Latest call report
- Q2 2026, FFIEC 051 · State Nebraska Bank &TRUST call report
- Holding company
- STATE NATIONAL BANCSHARES, INC.
- Asset rank in state
- 69th of 138 in Nebraska
State Nebraska Bank &TRUST, based in Wayne, Nebraska, reported $244 million in assets at June 30, 2026, down 3.4% from a year earlier. It shrank its loan book 0.9% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Its $22 million commercial and industrial book is improving, with 3.51% past due or on nonaccrual, down from 5.25% a year earlier. Net income for the quarter rose 18% from a year earlier, to $687,000. Credit is the area to watch: it carries problem assets equal to 9.9% of the capital and reserves that would absorb them, 3.7 times the median of 2.6% for banks its size.
As of June 30, 2026, State Nebraska Bank &TRUST reported a CET1 capital ratio of 14.69%, a return on assets of 1.10%, a nonperforming-loan ratio of 1.61% and a Texas ratio of 9.87%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Nebraska Bank &TRUST is the 69th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $244.0M, loans fell 3.6% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 21.0% of total loans, ahead of farmland and other real estate loans at 17.6%. The FDIC Summary of Deposits lists 2 offices for it, in Wayne, NE. By the capital ratios in its Q2 2026 call report, State Nebraska Bank &TRUST meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 122 Main St, Wayne, NE 68787
- County
- Wayne
- 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
- January 1, 1892
- Former names
- The State National Bank & Trust Company (1967-2013)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $203.8M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $48K
- Average total assets
- $248.9M
- Average total loans
- $166.7M
- Average interest-bearing deposits
- $176.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5490
- Fed RSSD
- 581358
- Website
- www.statenebank.com →
- Parent Holding Company
- STATE NATIONAL BANCSHARES, INC. (RSSD 1965768)
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, State Nebraska Bank &TRUST's total assets ran between $225.2M (Q3 2023) and $255.2M (Q1 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
$244.0M total assets against $252.6M; $219.8M total liabilities against $231.6M.
$161.3M net loans and leases against $163.4M; $203.8M total deposits against $201.9M.
$61.0M securities against $71.0M; $7.2M cash and balances due against $3.6M.
$3.3M total interest income against $3.3M; $1.2M total interest expense against $1.5M.
$2.1M net interest income against $1.8M.
$259K total noninterest income against $254K; $1.2M total noninterest expense against $1.1M.
$300K provision for credit losses against $150K.
$687K net income against $582K.
1.10% return on assets against 0.92%; 3.61% net interest margin against 2.94%.
14.69% CET1 capital ratio against 13.18%; 10.89% tier 1 leverage ratio against 9.94%.
Inside the full State Nebraska Bank &TRUST terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Nebraska Bank &TRUST rankings
Its closest position to the top of a national ranking is 649 of 3,640, for Texas Ratio; its furthest is 2,735 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.57% (Q1 2025) to 1.26% (Q1 2026) and its net interest margin ran from 2.54% (Q1 2025) to 3.61% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.69% | 1.10% | 1.61% | 9.87% | 3.61% |
| Q1 2026 | 13.88% | 1.26% | 1.28% | 8.42% | 3.52% |
| Q4 2025 | 13.71% | 0.76% | 1.31% | 8.71% | 3.16% |
| Q3 2025 | 13.41% | 1.03% | 1.27% | 8.61% | 3.05% |
| Q2 2025 | 13.18% | 0.92% | 1.32% | 9.46% | 2.94% |
| Q1 2025 | 13.23% | 0.57% | 1.56% | 11.01% | 2.54% |
| Q4 2024 | 13.25% | 0.74% | 1.39% | 10.21% | 2.69% |
| Q3 2024 | 13.13% | 0.77% | 1.86% | 12.87% | 2.64% |
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 |
|---|---|---|---|
| State Nebraska Bank & Trust | Wayne , NE | 68787 | $203.8M |
| Campus Drive-In Branch | Wayne , NE | 68787 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 78 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 State Nebraska Bank &TRUST
What are State Nebraska Bank &TRUST's total assets?
As of the Q2 2026 filing, State Nebraska Bank &TRUST reported total assets of $244.0 million in its FFIEC call report.
Where is State Nebraska Bank &TRUST headquartered?
It is headquartered in Wayne, NE, United States.
When was State Nebraska Bank &TRUST founded?
It was established in 1892, per the FDIC institution directory.
Is State Nebraska Bank &TRUST FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Nebraska Bank &TRUST?
State Nebraska Bank &TRUST's primary federal regulator is the FDIC.
What is State Nebraska Bank &TRUST's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Nebraska Bank &TRUST 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 State Nebraska Bank &TRUST's Texas Ratio?
Its Texas Ratio is 9.87% 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.
What was State Nebraska Bank &TRUST previously called?
The charter now named State Nebraska Bank &TRUST has also operated as The State National Bank & Trust Company (1967-2013), per FDIC structure-change records.
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