# NEBRASKA BANK
DODGE, NE · FDIC certificate 16116 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $551.6M | |
| Deposits | $466.9M | |
| Loans and leases | $390.5M | |
| Total equity | $60.8M | |
| Loans / deposits | 82.85% (p53 of band) | 82.04% |
| Liquid assets / assets | 24.98% (p51 of band) | |
| Uninsured deposits / deposits | 26.00% (p50 of band) | 25.97% |
| Brokered deposits | 1.60% | |
| Wholesale funding | 5.41% (p59 of band) | |
| FHLB advances / assets | 3.82% | |
| Tier 1 leverage | 11.39% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -2.39% (p77 of band) | -8.10% |
| AOCI / equity | -1.36% (p15 of band) | |
| ROA (annualized) | 1.17% (p44 of band) | 1.28% |
| Net interest margin | 4.02% (p56 of band) | 3.91% |
| Efficiency ratio | 65.79% (p63 of band) | |
| Noncurrent loans | 0.43% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | 0.34% (p94 of band) | |
| Reserve coverage of noncurrent | 225.00% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 43.92% (p50 of band) | |
| Auto loans | $3.1M (0.79% of loans; DQ 2.40%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.8% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## 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 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2012-03 | 1 |  | expense ratio p90, NIM <2.5% |
| 2012-06 | 1 |  |  |
| 2012-09 | 4 | loans exceed deposits, capital falling, expense ratio p90 |  |
| 2012-12 | 4 | wholesale funding >15% | capital falling |
| 2013-03 | 0 |  | losing money, loans exceed deposits, expense ratio p90, wholesale funding >15% |
| 2013-06 | 2 | loans exceed deposits, capital falling |  |
| 2013-09 | 2 | liquid assets <10% | capital falling |
| 2013-12 | 3 | wholesale funding >15% |  |
| 2014-03 | 3 | capital falling, uninsured deposits leaving | liquid assets <10%, wholesale funding >15% |
| 2014-06 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2014-09 | 1 | loans exceed deposits | capital falling |
| 2014-12 | 2 | liquid assets <10% |  |
| 2015-03 | 1 |  | liquid assets <10% |
| 2015-06 | 2 | liquid assets <10% |  |
| 2015-09 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2015-12 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | charge-offs p90, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, expense ratio p90 |  |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling, expense ratio p90 |
| 2021-12 | 2 | construction >100% equity | noncurrent p90 |
| 2022-03 | 3 | noncurrent p90 |  |
| 2022-06 | 3 | charge-offs p90 | noncurrent p90 |
| 2022-09 | 4 | noncurrent p90 |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | construction >100% equity |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 1 |  |  |

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

- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2025-11-13 [Nebraska approves first digital asset bank in US - Nebraska Public Media](https://news.google.com/rss/articles/CBMipgFBVV95cUxQa0EyUzc5eXpUc2xGU2Z1SmhlNWNoWDRhNno3RklkcDlzLVQ1dzNHUTM4ZTN4S3dWYi04Z3Z3OVhLUC1rTWdtTEV5VW85SFM0OHpwS3pFdlpxYS1HN1FseDBvNUdQV081YVVYSzVUaFNDNkdBcmNyb3NNdWRzUkU0VFIzSXB4a3dHWWFjb1hod21HMjN1ZU1ueF9Gb1lxa1l1QjdCdFJB?oc=5) · Nebraska Public Media
- 2026-01-05 [New bank opens in Falls City - MSC News](https://news.google.com/rss/articles/CBMidEFVX3lxTE5SODdTamxHQjZRQXNodTA1QUdsUUVEcG1BNmZSdTBXamV4UnJCeTJLTGhxaWR6QVdtWGZXTENsem4wNXVLUTNxWFRfSGF0ZWFCRVZPY0M4VXZoTnVlNWl3V1NLZUJDbnFva25EZW1pdU43cVJy?oc=5) · MSC News
- 2026-03-13 [Ex-Nebraska bank CFO convicted of fraud for false invoices worth millions - WOWT](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSEpBX1lqSzZQVHkzTDRfSEdfMTEyRFFxZnY1ZHRDelhkelhxclo1NVNuSGs5M0M5U2FyQkI3ZGhxNm1uTUE2YWpnNm1ONzlWNDRNREZhcmplZTBHVUpJQkFlX3dDczlHTktQeFJQNWYzaG93N3R1RUJkYlNQWFotR2EzQk13aDMxT3paenRlSllXczRwdjVJd0xVYlRoa3Zl0gG0AUFVX3lxTE5wTW9GZjBCRTNtOGMzbzdMYnFGSTF4cXhFa08waFh2bVZWNkc5RnVydks2OEs5V0QyU2lxMFNTV3JnRUVsc2g2cXNvTTNiajVidmVsX0FQTFFuamIwc3hfQVdkSGQxdXVBdksyMDNHUlpTZDRxSnRyZDJJRU5DR1RCOVVnby1iYWwzNWhUWFNqeExka0xsM2lDb2xNX0hjSEp5b1ZmSERxb3BHbEFkMm9Hcm9ZNA?oc=5) · WOWT
- 2026-08-14 [Richard Stull Obituary - Bridgeport, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOZ2lnRVdlUGx1TjNJclpTQUkxd0ROd2FvcWEzc2ZZU3ptejNMZ1lfcUUzLXRmTWE5U3RleC1SWG5QZGhhQ0RyNUZ1Qnk0a0F5X0MwNWxlZmo1S0RzOXFXT3F2WFFZaXFpLWxra25VQ2lFVkc4VHh0VnR4ZGRmWkZfZG1abDg0Zw?oc=5) · Dignity Memorial
- 2026-04-01 [FBI investigating Nebraska bank robbery that left 1 person injured - Lincoln Journal Star](https://news.google.com/rss/articles/CBMingFBVV95cUxOc21WQzRnam5QR0NQVlVEYlp1TnU4dGplVVphQW9jb3VEZUM5aGNlUTVlSXQ4c0FkOGpJb3B5eERqcUdKSUlnQzZUZ043MUpFY3hwMEZGNWpwZzVPRnJpVTRDQkROR0xqYVNvMFItbXpWemJKV0xLbDdsdk9HX0lFWDdubXEyV1JiVzNrQXE0R1pucWNnM1NXcGhaWno2Zw?oc=5) · Lincoln Journal Star
- 2026-03-17 [Nebraska bank to settle MoveIt data breach for $2.4M - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxOaW5XazRFaGtjWDlnaVpHNnVlYkRKUm1TOWxjcGF0S0RkVDgzbFVrdTJuMVRsUDVzLUs3cGlyMVU1T3hWcWQ0YjI4MURpWk9VbDNBZy1XS3l3TGVGV2ZhN2FPNHJtOHQ4TkNBRFJuNy1uempUUnM0aUlaUGRXcTFVS2l1Z1ZxUG5JdVd3bFBFWlk?oc=5) · American Banker
- 2022-03-23 [Farmers State Bank Officially Changes Name to Nebraska Bank - Alliance Times-Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxQRktDY2x2RTRfS1RLcDlad0dYTkZaaURKV0tIMGtKaHhXT19sYnY5LVNFcDlFbEVZMUJzV3Y5MmJsMldCMTZXaU05WElzOXVYcWpwWV9kQVBGcmRpMGh4U1hHYnp1N0xudXQ1aHFWZEhGVHJrRk56SjNlOGNDMVhNeHk3OGxCdElOMDI1SHpNNA?oc=5) · Alliance Times-Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16116 (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/52.json (key "16116", 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