# HENDERSON STATE BANK
HENDERSON, NE · FDIC certificate 17229 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $678.5M | |
| Deposits | $510.7M | |
| Loans and leases | $562.8M | |
| Total equity | $68.0M | |
| Loans / deposits | 109.36% (p97 of band) | 82.04% |
| Liquid assets / assets | 13.38% (p12 of band) | |
| Uninsured deposits / deposits | 20.17% (p29 of band) | 25.97% |
| Brokered deposits | 19.47% | |
| Wholesale funding | 33.87% (p98 of band) | |
| FHLB advances / assets | 14.40% | |
| Tier 1 leverage | 10.41% (p43 of band) | 10.81% |
| Unrealized securities loss / equity | -5.63% (p59 of band) | -8.10% |
| AOCI / equity | -0.50% (p41 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 4.01% (p55 of band) | 3.91% |
| Efficiency ratio | 44.32% (p9 of band) | |
| Noncurrent loans | 0.27% (p40 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 273.08% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 2.67% (p7 of band) | |
| Auto loans | $1.0M (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 18.1% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 6 | charge-offs p90 |  |
| 2011-09 | 5 |  | liquid assets <10% |
| 2011-12 | 4 |  | charge-offs p90 |
| 2012-03 | 3 |  | reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 2 |  | brokered >10% |
| 2012-12 | 4 | brokered >10%, capital falling |  |
| 2013-03 | 4 | charge-offs p90 | capital falling |
| 2013-06 | 4 |  |  |
| 2013-09 | 3 |  | charge-offs p90 |
| 2013-12 | 5 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 3 |  | capital falling, uninsured deposits leaving |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | capital falling |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 2 |  | brokered >10% |
| 2015-06 | 3 | brokered >10% |  |
| 2015-09 | 2 |  | brokered >10% |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2017-03 | 4 | noncurrent p90 |  |
| 2017-06 | 3 |  | noncurrent p90 |
| 2017-09 | 4 | noncurrent p90 |  |
| 2017-12 | 3 | assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2018-03 | 5 | reserve under noncurrent, deposits shrinking |  |
| 2018-06 | 4 |  | reserve under noncurrent |
| 2018-09 | 3 | brokered >10% | assets shrinking, deposits shrinking |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 7 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2019-06 | 3 |  | brokered >10%, capital falling, losing money, expense ratio p90 |
| 2019-09 | 5 | brokered >10%, charge-offs p90 |  |
| 2019-12 | 4 |  | reserve under noncurrent |
| 2020-03 | 5 | reserve under noncurrent |  |
| 2020-06 | 2 |  | brokered >10%, charge-offs p90, reserve under noncurrent |
| 2020-09 | 3 | reserve under noncurrent |  |
| 2020-12 | 2 |  | reserve under noncurrent |
| 2021-03 | 3 | brokered >10% |  |
| 2021-06 | 6 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2021-09 | 5 |  | reserve under noncurrent |
| 2021-12 | 5 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2022-03 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | loans exceed deposits |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | loans exceed deposits | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2026-05-18 [Henderson State Bank expands with North Platte location - knopnews2.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOUpMeXoxYlEwWmtJUVh2ejhrNDFzYnlqYmVYSmphTE1Vb2xleE4xYk5mV1VRQUQ1SXJZa21QSHVSNG5OX1NCM3RUYWRNZXBFaEg1RFEyeFNXSWY0SlE3N1I5NXQwMG1xQkdoZVV1Q3N3a1h6Z3FxUmFxS3lWWmhtRTJKeGR6a1g0ZWM0U2ZTVWwxdVhoOTl2btIBrAFBVV95cUxOX2k1d1NzekJZVUh0eHRkanUwd0dyc0hISWpqUkZhMXFLUFBwNVFQVUhyRWloR29fbzVPbFVZNExBMmZsX1NFX2RJNDdMdzV1TEJkOGhSTk9lM2VaYkw2dS1iOWpQRmx2YldGbkVkT1BoTGVQRnBsZWxKQ3RwWFdLM3czRFR3U1BzTDJaYU14Y085dUw2elVDcW5rVTF2Vzc3SHJJMEM0OUNVaFNK?oc=5) · knopnews2.com
- 2026-04-15 [Henderson State Bank opens in North Platte with $40,000 donation to rural fire departments - knopnews2.com](https://news.google.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?oc=5) · knopnews2.com
- 2025-05-17 [Broken Bow native named Bankers Association Chair - Sandhills Express](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcy1hS3BNXzRGcURsTTNZQzB0TmF6dEhJU2hiRVZQU1NBNGw5UXcyX04yRjk4YkYzZ2NPMDBtM0FXOHdLLVNvaTJqRy15bkNNYkdPTTVuZWJmbTZ5WnNoR1NHV1pFaFZMMGhqWk5mRVNkRXBFQkQwZ0R4dXVmOGlOZUQyeWIxak8zblVBQjlmZE5FNUpq?oc=5) · Sandhills Express
- 2026-05-07 [Nebraska Bankers Association honors seven veteran bankers, one centennial bank at convention - KHGI](https://news.google.com/rss/articles/CBMitwFBVV95cUxNTlduUThrSXdrUWtWOEdTbmNVRlRLQlduVDRGVnkwNU9mYy13cWtPS3lKdXBHeGJBZmNERlVLcnF2YkJKeXZsTEtLRngtZGJEbE1kU2lkTm9EaTllOXgwV3pBMm5VaGphU0JrcmFJR0w0aWMxeEVHNXdXSnFnbWExUk9PR0p3SEFiR2dvajliWDhrM2pyVE50bE16cWdQUGc0S0d1UUt6YWZwdkFDcVBRZXBEeGhrM1k?oc=5) · KHGI
- 2026-05-08 [KTIC 840 AM/98.3 FM/98.7 FM - Bankers Graduate from Leadership Program - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzTmxqNDRsZlV4ejM5XzV5NmpZVlI5aXhiNFUwVlJOX2gyTEpyeDVTemNseDFINkRET0VTMWZ4aWU1dVo0WDB2a0ItUkRaZWFvbGcydzQ3NlhlY005NDV5d3VUdTlzMU1mb0h5TUUtaDdsOVhBbkl6M090d2cxTFU?oc=5) · Rural Radio Network
- 2012-08-26 [PROGRESS: Engels a family tradition at First State Bank of Le Center - southernminn.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxNZ3pJaUlEUFJ1UHF1UXlPdEtPc2tac0lxYmJzTHNDTHh4MWltcWtnMFRTVVlscWxkaUpicW84M3BSeThucWhoTzlXQkd1M2NkTmp1UXB0QnFxbG1Sc1dndVFNWUJrU2VsVUk2eVJGTm90R2V3YWg4SXZXSFkzZ0VpdThjcUFEU2hvcF9DVC00X0h0SzRBUHJnQUZzYTE0dk1EMk9UVWtTUUNvYXZ5a3JHbDNoYUplY0Nka1VoMXZhLTYxbVpER2daQld2c2lrNmZkb2JURGc0U0JxTHVFV084dUdYajZjeVB4MnE5U0t3QXlIQ19BMlZlTGNZd28?oc=5) · southernminn.com
- 2023-08-17 [Judith M. O'Gorman Obituary Aug 17, 2023 - Peters Funeral Home | St. Paul, NE](https://news.google.com/rss/articles/CBMia0FVX3lxTE5ULWxCMHhaUkVrS1d0ZzV6UHFZZnB2SDZDekViODhITW82ZEZlVTZ5aUp0N1pQUDhYenR3VVV5d1o5N0dQUkxidGQ0Y3RZaXZuQXdLQTRQV1VxN1VJdEg2c2h4WmlkRzdCNmVJ?oc=5) · Peters Funeral Home | St. Paul, NE
- 2026-01-14 [HSA Trustee Services Poised for Historic Expansion: Offers No Monthly-Fee HSAs to Millions of Eligible ACA Enrollees - Panama City News Herald](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPQ0pqQnUyc3hiV1h2TGNRczVYQnhKLXFfY2JXNUU5Yko0ZW5adGw5TG5Wa0dZY09HWFBPM1d3bkVTbnlFcGh0SHNPUk5uajE4Q0F1b0JISTFHa1NBTTR6ODNVT2hFZzY1X3M5VHQwbzBKaVZObURkeWVrSDdWV1JLcWhNbnJmUkc4T1p0dGttaTNxSjgwa3hvN0VscENSOWR5eW5PSXN4VlBHSUoxR3l0QkhCa0NucTcycVlEQi1IMXBJd1JPbkt5UGIxTG1jamdjeGJaSnE2cmMzcUpCZ0x4U3Q0SGRlTmktd2hLN2F6Rl9NNk41WmppOGNmMlNDZw?oc=5) · Panama City News Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17229 (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/13.json (key "17229", 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.

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