# CORNHUSKER BANK
LINCOLN, NE · FDIC certificate 14264 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.05B | |
| Deposits | $852.8M | |
| Loans and leases | $853.9M | |
| Total equity | $103.0M | |
| Loans / deposits | 98.90% (p83 of band) | 87.10% |
| Liquid assets / assets | 16.04% (p27 of band) | |
| Uninsured deposits / deposits | 20.03% (p18 of band) | 30.76% |
| Brokered deposits | 0.42% | |
| Wholesale funding | 8.89% (p61 of band) | |
| FHLB advances / assets | 8.44% | |
| Tier 1 leverage | 10.12% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -2.60% (p76 of band) | -7.75% |
| AOCI / equity | -1.11% (p16 of band) | |
| ROA (annualized) | 1.43% (p65 of band) | 1.26% |
| Net interest margin | 3.41% (p32 of band) | 3.70% |
| Efficiency ratio | 61.96% (p60 of band) | |
| Noncurrent loans | 0.02% (p7 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 6498.77% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 75.71% (p75 of band) | |
| Auto loans | $592,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 139 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | brokered >10% |  |
| 2017-06 | 1 | capital falling | brokered >10% |
| 2017-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | construction >100% equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | construction >100% equity |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | loans exceed deposits |  |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 0 |  | loans exceed deposits, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-11 [SUV crashes into pillar outside south Lincoln bank - KLKN-TV](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzRWRrNmVQelZPRjhDYVVySHE5VFBfSkZLQno5OTJfSENjTWR1QmRyeVR0cmROQmh2TkN5SnVfWk9NdE9hMmowMlNaMS1RSWtKRzRxTUtZbUJiN1dQUlFCaUhabWZpbC03eDE0SG0wNDdPdHExOVpmRVhWa3lIelU?oc=5) · KLKN-TV
- 2019-03-20 [Alice Dittman - Nebraska Public Media](https://news.google.com/rss/articles/CBMivAFBVV95cUxPeGtfT091Ymp0VTNNTUtVSHZSbG56REVZOUNWRnB3VzB2VGxMRmFUMTItSW1penJCMGZRcmkwNEZsbjl1X2VjcnFDaXdoUjNWOEF2Slhoa1JEXzZRelFlQll5dERTNGZxdEhUUFlWd2Rld1hwN1phZTlQd0pXU0k2MWxmaFRGMG9FaEVwdnMtOE10NGdjOWNNdGk4Z1ZqY1BoUnFleWgzUjNHdXdXMGZpRVV4Z3dTWU50LWtEMw?oc=5) · Nebraska Public Media
- 2024-04-09 [From sole to soul, annual Lincoln shoe drive supports families in need - The Daily Nebraskan](https://news.google.com/rss/articles/CBMivwFBVV95cUxNQW9ldEZuRlpwQWNoeHFtWGczMnphYTR4dXh3MHl5WU4xX2UwYWQ2R1FSZS03dEo3bGhTUkhsRm9LV05QQ1o5NENkLUx4SGxOWllkSW82SkJ5MjlOZWhsbTFiNlZVeGlmT0hpUmNsc2t4a09VLW9fZS00ZDlEbHVrSC15aWF6bEs1S3BIQkRLYTRieTNBYXl1S3A3R0xvX1luclZlSEpHWU5sWUR6dHozRzhKRlQtT3VaN2VuNTBlMA?oc=5) · The Daily Nebraskan
- 2023-09-27 [Alice M. Dittman - roperandsons.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1pRnZPODZLT1l3NDJmM2Y3R1RiWlY1U1JNdXZ6QzdpNE8wbURYaGRGQ0lRRjA3QmdvMFM0RlhNWGJ5U2dVYU4xRWNteXhqQ0YzSFo5ZHhxU3B1aDV0Q0Nj?oc=5) · roperandsons.com
- 2023-01-05 [Fulfilling My Legacy - University of Nebraska - Official Athletics Website - huskers.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9lZ2UybkFsbDlqR2VyNXJIVF94a0huUmQxMVF2VXNCZ054N1AxdnYxazZsZXhlQXp6dWRuZzRHZ3EzWkMzM1Y4bEdJT29sSlZ2d0tXRENfY1hXb0ZiWWJhRkFyTGg?oc=5) · huskers.com
- 2026-04-06 [Day Without Shoes Collection Drive Underway in Lincoln - klin.com](https://news.google.com/rss/articles/CBMiS0FVX3lxTE1fVGFUSWVFdXVzdkhtLW5CWk40ZnA0YWxzaVZQRk4xN2NJWmdpTW5seWZ5WWhFSWoxNEJXVGdsUXlZOHFjTXlLNTREdw?oc=5) · klin.com
- 2022-04-20 [New Fiserv Core Platform Enhancements Tackle Key Client Challenges - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxON1hsclFnZGIyQllENlNla1c0dDd2NVYzM1VmR2QwaWM4QkpZNXVTOTZ2MFptb2tBOEktLUhicndHWDh3bm1rMVA0QVRWakhKRnhTbnBQeEFRSklPdDh2d1NZSUZLcFI3cHVhQmg2VFZYTzlvaTRhRTVGM3R2RWhCUmR5M0JabG9aVGlQcDJQN2hKbjhNMjFPbG4xU01FVzNEV1A5cHN6VUpJdkZfcTF6YUxyUHM3MGhVXzdVcGdCOXM?oc=5) · Business Wire
- 2017-10-03 [Police: Robbery suspect tied to three other Lincoln cases - 1011now.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNRTRGWTVKekY5M2pNdkVPeGhRRzdTWWxLQkdYSjVCV2k1WWtfdWh1azVCUTdzSUdDVVJqOVdiTDNPYXFTVXpHR3VtQm0zM29waVBlbFZicG9jU1ktZVJZdkNqeUpOYVFIaGpZMzI1OE5Lc0RXOGF6MFpQdkZmQ01aLTVIb29sOTV0bTdpb292U2MwY3EwaWtxWi1BWXA?oc=5) · 1011now.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14264 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "14264", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide