Tecumseh Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Tecumseh Federal Bank is an FDIC-insured savings institution headquartered in Tecumseh, NE, established in 1904 (FDIC certificate 30395), and it is supervised by the OCC. At Q2 2026 it reported total assets of $53.1M, down 0.7% from Q2 2025, the 129th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 21.26% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30395
- Headquarters
- Tecumseh, NE
- Established
- 1904
- Total assets, Q2 2026
- $53.1M
- Assets vs Q2 2025
- -0.7%
- Tier 1 leverage ratio, Q2 2026
- 21.26%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 304972232
- Latest call report
- Q2 2026, FFIEC 051 · Tecumseh Federal Bank call report
- Asset rank in state
- 129th of 138 in Nebraska
Tecumseh Federal Bank, based in Tecumseh, Nebraska, reported $53 million in assets at June 30, 2026. It keeps 2.62 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 2.79% on its deposits and borrowings, about double the median of 1.53% for banks its size.
Earnings jumped: net income for the quarter was $59,000, 48% above the same quarter a year earlier. Profitability lags: it returns 2.1% a year on shareholders' equity, a small fraction of the median of 8.6% for banks its size.
As of June 30, 2026, Tecumseh Federal Bank reported a return on assets of 0.44%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.38%. The figures come from its call report filed with the FFIEC.
Tecumseh Federal Bank ranks as the 129th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $53.1M, loans rose 0.3% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 55.9% of total loans, ahead of farmland and other real estate loans at 17.8%. The FDIC Summary of Deposits lists a single office for it, in Tecumseh, NE. Judged on its Q2 2026 call report, Tecumseh Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 160 N 4th St, Tecumseh, NE 68450
- County
- Johnson
- 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, 1904
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $36.3M
- Allowance for credit losses
- $333K
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $53.4M
- Average total loans
- $26.6M
- Average interest-bearing deposits
- $34.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30395
- Fed RSSD
- 389376
- Website
- www.tecfedbank.com →
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, Tecumseh Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Tecumseh Federal Bank's total assets ran between $50.5M (Q3 2023) and $53.5M (Q2 2025), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$53.1M total assets against $53.5M; $41.9M total liabilities against $42.7M.
$25.8M net loans and leases against $25.7M; $36.3M total deposits against $36.0M.
$13.5M securities against $15.9M; $9.4M cash and balances due against $7.6M.
$581K total interest income against $548K; $253K total interest expense against $277K.
$328K net interest income against $271K.
$151K total noninterest income against $143K; $401K total noninterest expense against $413K.
No provision recorded in the last 12 quarters.
$59K net income against $40K.
0.44% return on assets against 0.30%; 2.62% net interest margin against 2.16%.
21.26% tier 1 leverage ratio against 21.02%.
Inside the full Tecumseh Federal 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 -0.13% (Q3 2024) to 0.44% (Q2 2026) and its net interest margin ran from 2.09% (Q1 2025) to 2.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.26% | 0.44% | 0.17% | 0.38% | 2.62% |
| Q1 2026 | 21.22% | 0.08% | 0.17% | 0.38% | 2.55% |
| Q4 2025 | 21.28% | -0.02% | 0.68% | 1.56% | 2.45% |
| Q3 2025 | 21.42% | 0.36% | 0.52% | 1.17% | 2.25% |
| Q2 2025 | 21.02% | 0.30% | 0.21% | 0.49% | 2.16% |
| Q1 2025 | 21.12% | -0.02% | 0.26% | 0.61% | 2.09% |
| Q4 2024 | 21.21% | 0.03% | 0.37% | 0.94% | 2.11% |
| Q3 2024 | 21.44% | -0.13% | 0.54% | 1.32% | 2.12% |
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 |
|---|---|---|---|
| Tecumseh Federal Bank (main office) | Tecumseh , NE | 68450 | $36.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- April 4, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Tecumseh Federal Bank
- April 4, 2011, OCC (former OTS): Cease and Desist: Tecumseh Federal Bank
- February 27, 1992, OCC (former OTS): Supervisory Agreement: Tecumseh Building and Loan Association
- Period: Most recent institution action April 4, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 147 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 Tecumseh Federal Bank
What are Tecumseh Federal Bank's total assets?
As of the Q2 2026 filing, Tecumseh Federal Bank reported total assets of $53.1 million in its FFIEC call report.
Where is Tecumseh Federal Bank headquartered?
It is headquartered in Tecumseh, NE, United States.
When was Tecumseh Federal Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Tecumseh Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30395). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tecumseh Federal Bank?
Tecumseh Federal Bank's primary federal regulator is the OCC.
How many branches does Tecumseh Federal 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 Tecumseh Federal Bank's Texas Ratio?
Its Texas Ratio is 0.38% 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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