Wahoo State Bank
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Data as of · sourced from FFIEC call reports. How we update
Wahoo State Bank is an FDIC-insured commercial bank headquartered in Wahoo, NE, established in 1932 (FDIC certificate 1163), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $116.5M, down 0.6% from Q2 2025, the 101st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1163
- Headquarters
- Wahoo, NE
- Established
- 1932
- Total assets, Q2 2026
- $116.5M
- Assets vs Q2 2025
- -0.6%
- Tier 1 leverage ratio, Q2 2026
- 9.03%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104913255
- Holding company
- HOHL FINANCIAL, INC.
- Asset rank in state
- 101st of 138 in Nebraska
Wahoo State Bank, based in Wahoo, Nebraska, reported $117 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also shrank its loan book 4.2% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter rose 18% from a year earlier, to $230,000. Over the same year, loans shrank 4.2% and deposits shrank 0.4%. Where it has less room is capital: it funds 9.03% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Wahoo State Bank reported a return on assets of 0.79%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Wahoo State Bank is the 101st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $116.5M, loans fell 1.8% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 58.4% of total loans, ahead of farmland and other real estate loans at 16.4%. The FDIC Summary of Deposits lists 2 offices for it, in Wahoo, NE. Judged on its Q2 2026 call report, Wahoo State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 164 E 5th St, Wahoo, NE 68066
- County
- Saunders
- Metro Area
- Omaha, NE-IA
- 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 2, 1932
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $91.7M
- Allowance for credit losses
- $842K
- Net charge-offs (YTD)
- $0
- Average total assets
- $116.4M
- Average total loans
- $83.8M
- Average interest-bearing deposits
- $78.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1163
- Fed RSSD
- 662350
- Website
- www.wahoostatebank.com →
- Parent Holding Company
- HOHL FINANCIAL, INC. (RSSD 2566247)
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, Wahoo State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wahoo State Bank's total assets ranged from $113.9M (Q4 2025) to $127.2M (Q3 2023), 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
$116.5M total assets against $117.2M; $107.0M total liabilities against $108.6M.
$82.4M net loans and leases against $86.1M; $91.7M total deposits against $92.1M.
$13.6M securities against $15.3M; $9.6M cash and balances due against $4.6M.
$1.3M total interest income against $1.3M; $379K total interest expense against $401K.
$950K net interest income against $878K.
$124K total noninterest income against $103K; $830K total noninterest expense against $778K.
$6K provision for credit losses against $0.
$230K net income against $195K.
0.79% return on assets against 0.67%; 3.74% net interest margin against 3.44%.
9.03% tier 1 leverage ratio against 8.47%.
Inside the full Wahoo State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWahoo State Bank rankings
Its closest position to the top of a national ranking is 2,909 of 3,611, for ROA; its furthest is 3,621 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q4 2024) to 0.79% (Q4 2025) and its net interest margin ran from 3.12% (Q3 2024) to 3.74% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.03% | 0.79% | 0.00% | 0.00% | 3.74% |
| Q1 2026 | 9.01% | 0.76% | 0.00% | 0.00% | 3.68% |
| Q4 2025 | 8.79% | 0.79% | 0.00% | 0.00% | 3.69% |
| Q3 2025 | 8.53% | 0.70% | 0.00% | 0.00% | 3.58% |
| Q2 2025 | 8.47% | 0.67% | 0.00% | 0.00% | 3.44% |
| Q1 2025 | 8.31% | 0.65% | 0.00% | 0.01% | 3.29% |
| Q4 2024 | 7.97% | 0.62% | 0.00% | 0.01% | 3.26% |
| Q3 2024 | 7.82% | 0.62% | 0.00% | 0.01% | 3.12% |
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 |
|---|---|---|---|
| Wahoo State Bank (main office) | Wahoo , NE | 68066 | $91.7M |
| 314 5th Street Branch | Wahoo , NE | 68066 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 23, 1992, Federal Reserve: Written Agreement: Wahoo State Bank, Wahoo, NE
- Period: Most recent institution action October 23, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 115 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $78K approved, $78K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Wahoo State Bank
What are Wahoo State Bank's total assets?
As of the Q2 2026 filing, Wahoo State Bank reported total assets of $116.5 million in its FFIEC call report.
Where is Wahoo State Bank headquartered?
It is headquartered in Wahoo, NE, United States.
When was Wahoo State Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Wahoo State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wahoo State Bank?
Wahoo State Bank's primary federal regulator is the Federal Reserve.
How many branches does Wahoo 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 Wahoo State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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