Thayer County Bank
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Data as of · sourced from FFIEC call reports. How we update
Thayer County Bank is an FDIC-insured commercial bank headquartered in Hebron, NE, established in 1874 (FDIC certificate 11475), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $88.5M, up 4.5% from Q2 2025, the 108th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11475
- Headquarters
- Hebron, NE
- Established
- 1874
- Total assets, Q2 2026
- $88.5M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 13.02%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104101478
- Latest call report
- Q2 2026, FFIEC 051 · Thayer County Bank call report
- Holding company
- THAYER AGENCY, INC.
- Asset rank in state
- 108th of 138 in Nebraska
Thayer County Bank pays more for its money than most banks of its size. Its balance sheet stood at $88 million at June 30, 2026, up 4.5% from a year earlier; it is based in Hebron, Nebraska. It pays an average of 2.37% on its deposits and borrowings, higher than about three-quarters of the 583 banks with less than $100 million in assets (median 1.53%).
The commercial and industrial book ($9.6 million) is worsening: 3.24% of it is past due or on nonaccrual, up from 1.32% a year earlier. Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.32% of loans, against 0.11% a year earlier.
As of June 30, 2026, Thayer County Bank reported a return on assets of 1.19%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 1.58%. The figures come from its call report filed with the FFIEC.
Thayer County Bank ranks as the 108th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.7% to $88.5M, loans rose 1.1% and deposits rose 5.6%. 1-4 family residential loans made up 31.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.8%. The FDIC Summary of Deposits lists 2 offices for it, in Hebron, NE. By the capital ratios in its Q2 2026 call report, Thayer County Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 402 Lincoln Ave, Hebron, NE 68370
- County
- Thayer
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1874
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $66.5M
- Allowance for credit losses
- $690K
- Net charge-offs (YTD)
- -$63K
- Average total assets
- $90.2M
- Average total loans
- $49.8M
- Average interest-bearing deposits
- $49.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11475
- Fed RSSD
- 157155
- Parent Holding Company
- THAYER AGENCY, INC. (RSSD 1058932)
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, Thayer County 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, Thayer County Bank's total assets ran between $76.7M (Q3 2023) and $89.5M (Q4 2025), 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
$88.5M total assets against $84.7M; $78.9M total liabilities against $76.4M.
$50.6M net loans and leases against $49.0M; $66.5M total deposits against $65.3M.
$28.4M securities against $25.3M; $4.6M cash and balances due against $5.1M.
$1.2M total interest income against $1.1M; $376K total interest expense against $414K.
$779K net interest income against $704K.
$52K total noninterest income against $42K; $514K total noninterest expense against $450K.
$25K provision for credit losses against $25K.
$268K net income against $240K.
1.19% return on assets against 1.11%; 3.73% net interest margin against 3.48%.
13.02% tier 1 leverage ratio against 12.63%.
Inside the full Thayer County 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 0.71% (Q4 2025) to 1.85% (Q4 2024) and its net interest margin ran from 3.35% (Q1 2025) to 3.80% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.02% | 1.19% | 0.32% | 1.58% | 3.73% |
| Q1 2026 | 13.32% | 0.86% | 0.01% | 0.07% | 3.80% |
| Q4 2025 | 13.21% | 0.71% | 0.00% | 0.00% | 3.75% |
| Q3 2025 | 13.21% | 1.09% | 0.16% | 1.35% | 3.68% |
| Q2 2025 | 12.63% | 1.11% | 0.11% | 1.13% | 3.48% |
| Q1 2025 | 12.99% | 0.78% | 0.29% | 2.22% | 3.35% |
| Q4 2024 | 13.04% | 1.85% | 0.00% | 0.56% | 3.52% |
| Q3 2024 | 12.86% | 1.24% | 0.09% | 1.04% | 3.44% |
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 |
|---|---|---|---|
| Thayer County Bank (main office) | Hebron , NE | 68370 | $66.5M |
| Thayer County Bank (main office) | Hebron , NE | 68370 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 126 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $928K approved, $928K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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 Thayer County Bank
What are Thayer County Bank's total assets?
As of the Q2 2026 filing, Thayer County Bank reported total assets of $88.5 million in its FFIEC call report.
Where is Thayer County Bank headquartered?
It is headquartered in Hebron, NE, United States.
When was Thayer County Bank founded?
It was established in 1874, per the FDIC institution directory.
Is Thayer County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11475). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Thayer County Bank?
Thayer County Bank's primary federal regulator is the FDIC.
How many branches does Thayer County 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 Thayer County Bank's Texas Ratio?
Its Texas Ratio is 1.58% 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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