Asset Quality ranking · Nebraska · Call report data as of September 30, 2026
Nebraska Banks: Highest CRE Delinquency
Pathway Bank has the highest commercial real estate noncurrent rate of the 63 ranked banks headquartered in Nebraska, at 30.56% as of September 30, 2026. The median among the 63 ranked Nebraska banks is 0.06%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 0.75%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Nebraska banks by commercial real estate noncurrent rate. For the largest banks headquartered in Nebraska, see largest banks in Nebraska.
- No. 1 in Nebraska
- Pathway Bank
- Its CRE noncurrent
- 30.56%
- Nebraska median
- 0.06%
- Banks ranked
- 63
Ranked among banks headquartered in Nebraska, numbered 1 to 63 within the state from the same population as the national list. Browse every bank in the Nebraska bank directory.
Top 63 Nebraska banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Nebraska median of 0.06%. Missing values show as a dash and sort last.
| 1 | Pathway Bank Cairo, NE | 30.56% | $335.5M $100M to $1B |
| 2 | Great Plains State Bank Petersburg, NE | 9.46% | $379.2M $100M to $1B |
| 3 | Cornerstone Bank York, NE | 6.50% | $2.72B $1B to $10B |
| 4 | Firstier Bank Kimball, NE | 4.71% | $1.05B $1B to $10B |
| 5 | Security National Bank of Omaha Omaha, NE | 2.77% | $1.93B $1B to $10B |
| 6 | Premier Bank N.A. Omaha, NE | 2.16% | $359.5M $100M to $1B |
| 7 | Adams Bank & Trust Ogallala, NE | 1.85% | $1.31B $1B to $10B |
| 8 | Lincoln Federal Savings Bank of Nebraska Lincoln, NE | 1.74% | $374.6M $100M to $1B |
| 9 | Waypoint Bank Cozad, NE | 1.67% | $383.2M $100M to $1B |
| 10 | Dayspring Bank Gothenburg, NE | 1.53% | $1.24B $1B to $10B |
| 11 | Elkhorn Valley Bank & Trust Norfolk, NE | 1.47% | $1.51B $1B to $10B |
| 12 | FirstBank of Nebraska Wahoo, NE | 1.06% | $468.8M $100M to $1B |
| 13 | Citizens State Bank Wisner, NE | 1.04% | $656.1M $100M to $1B |
| 14 | Access Bank Omaha, NE | 1.02% | $1.07B $1B to $10B |
| 15 | City Bank & Trust Co. Lincoln, NE | 0.83% | $355.9M $100M to $1B |
| 16 | First State Bank Nebraska Lincoln, NE | 0.79% | $1.18B $1B to $10B |
| 17 | Cedar Rapids State Bank Cedar Rapids, NE | 0.72% | $181.4M $100M to $1B |
| 18 | Charter West Bank West Point, NE | 0.71% | $564.6M $100M to $1B |
| 19 | Midwest Bank Pierce, NE | 0.57% | $1.24B $1B to $10B |
| 20 | Nebraska Bank of Commerce Lincoln, NE | 0.56% | $252.3M $100M to $1B |
| 21 | Sandhills State Bank North Platte, NE | 0.54% | $404.5M $100M to $1B |
| 22 | Core Bank Omaha, NE | 0.46% | $1.08B $1B to $10B |
| 23 | BankFirst Norfolk, NE | 0.42% | $1.27B $1B to $10B |
| 24 | Cattle Bank & Trust Seward, NE | 0.39% | $426.2M $100M to $1B |
| 25 | United Republic Bank Omaha, NE | 0.38% | $195.3M $100M to $1B |
| 26 | First National Bank of Omaha Omaha, NE | 0.36% | $34.66B $10B to $100B |
| 27 | Union Bank and Trust Company Lincoln, NE | 0.22% | $9.50B $1B to $10B |
| 28 | Banner Capital Bank Harrisburg, NE | 0.19% | $382.9M $100M to $1B |
| 29 | Exchange Bank Kearney, NE | 0.17% | $1.57B $1B to $10B |
| 30 | Platte Valley Bank Scottsbluff, NE | 0.15% | $1.27B $1B to $10B |
| 31 | Arbor Bank Nebraska City, NE | 0.14% | $713.8M $100M to $1B |
| 32 | I3 Bank Bennington, NE | 0.06% | $235.5M $100M to $1B |
| 33 | Security First Bank Lincoln, NE | 0.05% | $2.30B $1B to $10B |
| 34 | Cornhusker Bank Lincoln, NE | 0.02% | $1.07B $1B to $10B |
| 35 | Riverstone Bank Eagle, NE | 0.02% | $600.6M $100M to $1B |
| 36 | Pinnacle Bank Lincoln, NE | 0.01% | $8.85B $1B to $10B |
| 37 | Five Points Bank Grand Island, NE | 0.00% | $2.23B $1B to $10B |
| 38 | West Gate Bank Lincoln, NE | 0.00% | $1.47B $1B to $10B |
| 39 | Nebraskaland Bank North Platte, NE | 0.00% | $1.04B $1B to $10B |
| 40 | Dundee Bank Omaha, NE | 0.00% | $1.02B $1B to $10B |
| 41 | Heartland Bank Geneva, NE | 0.00% | $919.2M $100M to $1B |
| 42 | Henderson State Bank Henderson, NE | 0.00% | $718.4M $100M to $1B |
| 43 | Bruning Bank Bruning, NE | 0.00% | $679.3M $100M to $1B |
| 44 | Washington County Bank Blair, NE | 0.00% | $676.3M $100M to $1B |
| 45 | MNB Bank McCook, NE | 0.00% | $616.5M $100M to $1B |
| 46 | Madison County Bank Madison, NE | 0.00% | $609.6M $100M to $1B |
| 47 | Heritage Bank Wood River, NE | 0.00% | $605.1M $100M to $1B |
| 48 | RVR Bank Fremont, NE | 0.00% | $601.1M $100M to $1B |
| 49 | Bank of the Valley Bellwood, NE | 0.00% | $594.9M $100M to $1B |
| 50 | Enterprise Bank Omaha, NE | 0.00% | $584.7M $100M to $1B |
| 51 | Nebraska Bank Dodge, NE | 0.00% | $569.4M $100M to $1B |
| 52 | Home Federal Savings and Loan Association of Grand Island Grand Island, NE | 0.00% | $564.8M $100M to $1B |
| 53 | Equitable Bank Grand Island, NE | 0.00% | $547.2M $100M to $1B |
| 54 | Five Points Bank of Hastings Hastings, NE | 0.00% | $542.6M $100M to $1B |
| 55 | Jones Bank Seward, NE | 0.00% | $437.1M $100M to $1B |
| 56 | First Westroads Bank, Inc. Omaha, NE | 0.00% | $404.8M $100M to $1B |
| 57 | First Nebraska Bank Valley, NE | 0.00% | $363.2M $100M to $1B |
| 58 | F&M Bank West Point, NE | 0.00% | $358.2M $100M to $1B |
| 59 | Columbus Bank and Trust Company Columbus, NE | 0.00% | $285.9M $100M to $1B |
| 60 | Nebraska State Bank and Trust Company Broken Bow, NE | 0.00% | $277.0M $100M to $1B |
| 61 | Commercial State Bank Wausa, NE | 0.00% | $261.3M $100M to $1B |
| 62 | Foundation One Bank Waterloo, NE | 0.00% | $170.8M $100M to $1B |
| 63 | Hershey Bank Hershey, NE | 0.00% | $153.5M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 63 banks headquartered in Nebraska that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Nebraska has the highest commercial real estate noncurrent rate?
Pathway Bank has the highest commercial real estate noncurrent rate of the 63 ranked banks headquartered in Nebraska, at 30.56% as of September 30, 2026, according to its FFIEC call report. Great Plains State Bank ranks second at 9.46%. The median is 0.06%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Nebraska rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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