# NEBRASKA STATE BANK
LYNCH, NE · FDIC certificate 16516 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $25.4M | |
| Deposits | $22.3M | |
| Loans and leases | $12.6M | |
| Total equity | $3.0M | |
| Loans / deposits | 55.95% (p26 of band) | 73.59% |
| Liquid assets / assets | 49.79% (p78 of band) | |
| Uninsured deposits / deposits | 14.70% (p30 of band) | 19.81% |
| Brokered deposits | 0.98% | |
| Wholesale funding | 0.98% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.32% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.60% (p21 of band) | 1.17% |
| Net interest margin | 3.87% (p47 of band) | 3.93% |
| Efficiency ratio | 78.57% (p76 of band) | |
| Noncurrent loans | 3.18% (p93 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 35.57% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $137,000 (1.08% of loans; DQ 10.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 31.4% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | brokered >10%, capital falling, uninsured deposits leaving |  |
| 2013-03 | 3 | losing money | uninsured deposits leaving |
| 2013-06 | 2 | uninsured deposits leaving | capital falling, losing money |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 0 |  | brokered >10%, uninsured deposits leaving, deposits shrinking |
| 2014-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 0 |  | capital falling, charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 3 | expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 5 | brokered >10%, losing money, assets shrinking | expense ratio p90 |
| 2016-06 | 3 |  | brokered >10%, losing money |
| 2016-09 | 3 |  |  |
| 2016-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 1 | capital falling | deposits shrinking, uninsured deposits leaving, assets shrinking, noncurrent p90, reserve under noncurrent |
| 2017-06 | 2 | losing money, noncurrent p90 | capital falling |
| 2017-09 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 | capital falling | losing money, charge-offs p90, reserve under noncurrent, uninsured deposits leaving |
| 2018-06 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking, capital falling |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 0 |  | noncurrent p90 |
| 2019-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2020-03 | 1 |  | noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2020-06 | 0 |  | losing money |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | NIM <2.5% |  |
| 2022-03 | 3 | losing money, uninsured deposits leaving |  |
| 2022-06 | 1 |  | NIM <2.5%, losing money |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  | uninsured deposits leaving |
| 2023-06 | 3 | charge-offs p90, uninsured deposits leaving | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | assets shrinking | charge-offs p90 |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2025-09 | 3 | capital falling | uninsured deposits leaving |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2024-05-12 [Nebraska State Bank announces Kristy Bartak appointment to NBA Board of Directors - Sandhills Express](https://news.google.com/rss/articles/CBMivwFBVV95cUxQWFFZQUdxMklzRnNQTU1TTmV2TmlHWEJkdFNlLVNLOWFwMGVGTURGQVc3RVRjbGRlN2lGc1c1NkU1cTZVYzV3cTJZbC00a1pNVzdnNm9NaVZtcTlSQ0V4U093a0c0ak9DZTllRks2WHhqLXJXUDdMa1JXVU1vZmFLQ3hTVWltNU43Y1V6ZzVFQUJDUUVvYUJJNzJuZkZZUGRNRklkLTFPb1VObWNLbjJYVENGa3Zra0xyeldENF90VQ?oc=5) · Sandhills Express
- 2024-05-03 [Former Nebraska bank president pleads guilty to fraud - WOWT](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNb2s2Zi1yUWVPSXBmMXM1S203Um5PUDVCUEM2NUozalNBTEVvOVRBa1dlRFNoNUIyWHc3UWkyOTVjRXQwUGJTUXNUcGhSMDFvREoweVFjLXNlOVladm55dDVtc0gxQTAwR0FJTVNJLUx2U3lMWWFHeHRGRWVxNFFPWXlhMVp1MjdacGww0gGfAUFVX3lxTE1sVk5Fa1QyNG1INWhpMlh2aUVCc3E2bmVrRmJTZ0cwTHhKSDhYZXhKSXB3QVo2d0xQOURHN3hjTU8zeVZRWkdzTFZsTEtRRlBkM2V1NnVCVlRnTEE2VkZmbW9kS3RZLTI2U1A4bF9iSlhxRDFST3E2NzBVWEl4cnFldVRTQjZtWXVycFRrZjV4QkpvMWRTTnM5VXQydXBHcw?oc=5) · WOWT
- 2021-12-23 [Ashton Schweitzer Obituary Dec 23, 2021 - Govier Brothers Mortuary & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTFB4ZEl1UC1Yby1TdTJ2a0NGSm9YekVFWGxYMEhYbWs0T1dMY3NNNnUyMklPSTMzTTNSLU4yTkFRZUNrd19KUzZnQlVtMWc0cUZPQmtmQUd6Q1pJc0o2VExCRllyNHhEcm5qY0c0?oc=5) · Govier Brothers Mortuary &amp; Crematory
- 2023-11-09 [Nebraska State Bank partnering with Anselmo-Merna Schools - Sandhills Express](https://news.google.com/rss/articles/CBMinwFBVV95cUxPOXdhcHNZSlFBeU9sb1dMUGZyNElUVzBSZnU4NmRBWjZaUVlWUVdWd1gxRXF4Tms2clVjOVFBQThRNWtYREVzbFhpSlZNeTQzZVc3OV84TkhxemhuTWc4ZHBJLVZ4blE5ZTloR3FvbTRKRUlCSFFmakYzSW1XQVNNRTNyaWg5ZDByV2VjY0Z1bTZtRk1sM0VJdnNYX2xRNk0?oc=5) · Sandhills Express
- 2023-01-14 [Sharie L. Lieber Obituary Jan 14, 2023 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9JcklyNkVJaS1XS3p2dC15UHRwX1NScTRzUlVER0dSYlU5QklHVDAxb0tHUVM2NUJ1S2RSeTlZY0REU2daUGdQU0htcUFWX1I3V19PY0huckFpeEE2RHpCZzMwenEwYjVN?oc=5) · Meyer Brothers Funeral Homes
- 2026-03-16 [Riggin Paul Epp Obituary (2026) - Lisco, NE - Holechek-Bondegard Funeral Homes and Cremations - Oshkosh - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5EdW10cDItTW5URlN1UkVlcFZqMEZPVk9sdmNUY09kdE1XQ0VwWDQwSXA2RHcxeEkzZm8wbTFHSjkwX2htOXg2Vlh0cnpoZ1lyTTVXUWROOTB2SS16NlFmOTZsRjVRay1hSF9HZDRpTHl4eHk3ckwxaHg3MTdwUQ?oc=5) · legacy.com
- 2018-03-19 [Marvin Dyer Obituary - Longmont, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1SWEFwOTVMT1cwMk1ULWRzanp1M2R4TlpWUm9Ndlg5d3dqOFp5MU1jckZmdWdrbUNuQ3p4d08zMzBZTTNJR0Z0aDYta2UtUlIzb09BWEJfcmdZT1U3Z0dxc1o1TFdKSEJpQW9Ob2hmM3FIQ2R2R2JOZWRoa0JIRDg?oc=5) · Dignity Memorial
- 2022-08-31 [Nebraska man killed by in shootout with U.S. Marshals in Virginia - WOWT](https://news.google.com/rss/articles/CBMid0FVX3lxTE9RTGM4ZVRDaW51NUItSm9tcVRORzJqaGpIYkpLbHhraVNLa3FzbXZJamhsX21hTFdpR2dWcFpvbnlSQkJ6a19mVlNvd0xRWTFaNHFRYUNKaE9xcmNEbTlxd0dydEx2QVpkUHZoTl9IcFdVVENtZWZJ?oc=5) · WOWT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16516 (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/4.json (key "16516", 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