Skip to main content

Profitability · Nebraska

Most Efficient US Banks (Lowest Efficiency Ratio) in Nebraska

Ranked among banks headquartered in Nebraska. Re-ranked 1-100 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): HORIZON BANK — 25.39% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 106 banks with reported data Showing: Top 100 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Horizon Bank Waverly , NE 25.39% $539.2M
2 First State Bank Loomis , NE 31.52% $227.3M
3 American Interstate Bank Elkhorn , NE 32.17% $127.8M
4 Heritage Bank Wood River , NE 32.45% $612.5M
5 First National Bank of Gordon, the Gordon , NE 35.84% $373.0M
6 Bankfirst Norfolk , NE 36.50% $1.20B
7 South Central State Bank Campbell , NE 37.03% $187.9M
8 Exchange Bank Kearney , NE 39.59% $1.56B
9 Farmers and Merchants Bank Milligan , NE 40.39% $211.8M
10 Adams County Bank Kenesaw , NE 41.42% $241.6M
Full financials, 24-year trends & peer benchmarks on every institution — free. Start free →
11 York State Bank York , NE 41.49% $204.2M
12 Firstbank of Nebraska Wahoo , NE 42.15% $470.3M
13 Dundee Bank Omaha , NE 42.74% $922.4M
14 Henderson State Bank Henderson , NE 44.26% $634.6M
15 Elkhorn Valley Bank & Trust Norfolk , NE 45.96% $1.44B
16 Pinnacle Bank Lincoln , NE 46.57% $9.12B
17 First National Bank in Ord Ord , NE 47.07% $165.4M
18 First National Bank of Omaha Omaha , NE 47.56% $34.73B
19 Cattle Bank & Trust Seward , NE 47.64% $416.3M
20 First Northeast Bank of Nebraska Lyons , NE 48.11% $501.2M
21 Minden Exchange Bank & Trust Company Minden , NE 48.75% $199.1M
22 Washington County Bank Blair , NE 49.56% $662.8M
23 Columbus Bank and Trust Company Columbus , NE 49.59% $276.2M
24 State Nebraska Bank &trust Wayne , NE 49.78% $249.4M
25 Heartland Bank Geneva , NE 49.95% $901.5M
26 Farmers and Merchants State Bank, Bloomfield, Nebraska Bloomfield , NE 49.98% $225.1M
27 Homestead Bank Cozad , NE 50.08% $530.5M
28 Madison County Bank Madison , NE 50.71% $603.6M
29 Five Points Bank Grand Island , NE 51.54% $2.10B
30 Farmers and Merchants Bank Milford , NE 52.92% $1.04B
31 Auburn State Bank Auburn , NE 53.42% $250.2M
32 Commercial State Bank Wausa , NE 53.62% $254.0M
33 First State Bank Nebraska Lincoln , NE 53.78% $1.11B
34 Union Bank and Trust Company Lincoln , NE 54.83% $9.19B
35 Riverstone Bank Eagle , NE 54.97% $586.7M
36 Town & Country Bank Ravenna , NE 55.01% $227.1M
37 Bank of Dixon County Ponca , NE 55.59% $139.5M
38 West Plains Bank Ainsworth , NE 55.74% $135.9M
39 Waypoint Bank Cozad , NE 56.22% $405.2M
40 Pathway Bank Cairo , NE 56.46% $343.8M
41 First Westroads Bank, INC. Omaha , NE 56.49% $384.0M
42 First State Bank Farnam , NE 56.51% $201.7M
43 Platte Valley Bank North Bend , NE 56.67% $105.8M
44 Cedar Rapids State Bank Cedar Rapids , NE 57.32% $173.1M
45 Jones Bank Seward , NE 57.34% $438.4M
46 Sandhills State Bank North Platte , NE 57.44% $374.8M
47 Nebraska State Bank and Trust Company Broken Bow , NE 57.86% $280.6M
48 Banner Capital Bank Harrisburg , NE 58.40% $368.9M
49 Flatwater Bank Gothenburg , NE 58.76% $346.6M
50 Enterprise Bank Omaha , NE 58.77% $595.7M
51 Access Bank Omaha , NE 59.39% $1.00B
52 Platte Valley Bank Scottsbluff , NE 59.46% $1.23B
53 Rvr Bank Fremont , NE 59.61% $554.3M
54 Bruning Bank Bruning , NE 59.90% $666.8M
55 Hershey Bank Hershey , NE 60.13% $138.7M
56 Western National Bank Chester , NE 60.57% $261.8M
57 Farmers and Merchants Bank of Ashland Ashland , NE 60.64% $146.2M
58 Nebraska Bank of Commerce Lincoln , NE 60.71% $238.7M
59 F&m Bank Falls City , NE 60.71% $142.3M
60 First Central Bank Cambridge , NE 60.84% $137.6M
61 Cornhusker Bank Lincoln , NE 61.32% $1.03B
62 Dayspring Bank Gothenburg , NE 61.53% $1.18B
63 First Community Bank Beemer , NE 61.61% $335.4M
64 Countryside Bank Unadilla , NE 61.95% $120.7M
65 City Bank & Trust CO. Lincoln , NE 62.11% $328.2M
66 Security National Bank of Omaha Omaha , NE 62.15% $1.84B
67 Brunswick State Bank Brunswick , NE 62.17% $174.6M
68 Five Points Bank of Hastings Hastings , NE 62.42% $537.5M
69 Cornerstone Bank York , NE 63.20% $2.65B
70 Adams Bank & Trust Ogallala , NE 63.37% $1.33B
71 Bank of Hartington Hartington , NE 63.60% $147.1M
72 Premier Bank N.A. Omaha , NE 63.67% $358.0M
73 F&m Bank West Point , NE 63.84% $361.1M
74 Midwest Bank Pierce , NE 64.12% $1.25B
75 Citizens State Bank Wisner , NE 64.89% $653.5M
76 Mnb Bank Mccook , NE 65.17% $593.6M
77 State Bank of Table Rock Table Rock , NE 65.85% $148.5M
78 Great Plains State Bank Petersburg , NE 66.05% $378.3M
79 Legends West Bank Lewellen , NE 66.29% $154.0M
80 Nebraska Bank Dodge , NE 66.49% $509.4M
81 Western Nebraska Bank Curtis , NE 66.60% $183.2M
82 Foundation One Bank Waterloo , NE 66.86% $200.9M
83 Security Bank Laurel , NE 67.26% $316.0M
84 First Bank and Trust of Fullerton Fullerton , NE 67.53% $107.1M
85 Citizens Bank & Trust Company Saint Paul , NE 67.77% $232.9M
86 American National Bank Omaha , NE 68.57% $5.16B
87 Home Federal Savings and Loan Association of Grand Island Grand Island , NE 69.10% $558.4M
88 First Nebraska Bank Valley , NE 69.12% $361.0M
89 Security First Bank Lincoln , NE 69.56% $2.14B
90 Custer Federal State Bank Broken Bow , NE 69.79% $124.9M
91 I3 Bank Bennington , NE 70.07% $226.2M
92 Bank of the Valley Bellwood , NE 70.39% $557.4M
93 Frontier Bank Omaha , NE 71.44% $1.43B
94 Tri-county Bank, the Stuart , NE 72.21% $233.5M
95 Nebraskaland Bank North Platte , NE 72.67% $1.01B
96 Core Bank Omaha , NE 74.03% $1.08B
97 Equitable Bank Grand Island , NE 74.19% $517.2M
98 Arbor Bank Nebraska City , NE 75.57% $711.5M
99 First Central Bank Mccook Mccook , NE 77.13% $124.9M
100 Wahoo State Bank Wahoo , NE 77.37% $114.0M

More Profitability rankings

US Banks with Highest Return on Assets (ROA) US Banks with Highest Return on Equity (ROE) US Banks with Highest Net Interest Margin (NIM)

Go past the leaderboard — open any bank for its full financials, 24-year trends, and peer percentiles. Free, no card required.

Start free — no card required

All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

Explore more: all rankings · glossary · browse all banks