# BRUNING BANK
BRUNING, NE · FDIC certificate 18748 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $659.9M | |
| Deposits | $560.4M | |
| Loans and leases | $495.2M | |
| Total equity | $60.0M | |
| Loans / deposits | 87.03% (p65 of band) | 82.04% |
| Liquid assets / assets | 20.96% (p35 of band) | |
| Uninsured deposits / deposits | 21.20% (p33 of band) | 25.97% |
| Brokered deposits | 0.69% | |
| Wholesale funding | 6.27% (p64 of band) | |
| FHLB advances / assets | 1.94% | |
| Tier 1 leverage | 10.01% (p35 of band) | 10.81% |
| Unrealized securities loss / equity | -12.37% (p38 of band) | -8.10% |
| AOCI / equity | -0.08% (p68 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.28% |
| Net interest margin | 3.81% (p45 of band) | 3.91% |
| Efficiency ratio | 59.95% (p46 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 72% | |
| Construction % of loans | 24.09% (p30 of band) | |
| Auto loans | $2.4M (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 93 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | wholesale funding >15% |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | wholesale funding >15% |  |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2018-12 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | wholesale funding >15%, AOCI drag >20% of equity |
| 2023-06 | 3 | wholesale funding >15%, capital falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 3 | wholesale funding >15%, capital falling |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | wholesale funding >15% |
| 2025-03 | 0 |  | capital falling, securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | wholesale funding >15% |  |
| 2025-12 | 0 |  | wholesale funding >15% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-27 [Jim Scott Day at Bruning Bank - Rural Radio Network](https://news.google.com/rss/articles/CBMidEFVX3lxTE83dVp4UFZZUUhRYlVMTmx4UEoweW1wcnFnSGhlVjREWWdKTVVmTFo5TTViNmVPZWtHUm0yQnV3LVZUd0dxQWFUT2VhS2dvU3BENEtRM1RUd1lRMTlLZDc4WFpWZW5FdXhjVkV4aUlySFE0Ymln?oc=5) · Rural Radio Network
- 2025-04-02 [Economic Engine: UNK has a $446 million impact on state - UNK NEWS](https://news.google.com/rss/articles/CBMikwFBVV95cUxNYVpQd0xxclpWUmZMblBWTGM1Uk00ZXo1aURYMXZKdVhfVWhRLV93TzJuX29xMkkxUHM2YURQTEU0RG0tRVkwUWY5Z1VkNG9aMnA0eHJqTXVxZXJiNHFkc2stLV9aWk5EbVJ1d2RINVNrQXZLN0ZseGtITDZQclRYWWdPRTlMYjdGRm90MWdWTEdPR3c?oc=5) · UNK NEWS
- 2026-09-04 [‘Jim Scott Day’ celebrates local football legend ahead of Nebraska Hall of Fame induction - Sandhills Express](https://news.google.com/rss/articles/CBMixwFBVV95cUxNTjgxTEhkb0l2NnpNVUk2cURheU5halFjR0tzOEQ5VzRSLUhna3gycjRKNm4yb3VwM01LNTVBWi1rWTBXU29fSU9ZdXhKTXpfVXk1Tzc4QUdqX05tbkp5N0t0MlY0Wk1KSkRlU2cxaktwRkZEZlpZZW9PcDU5SFRUX1RGQk4yYk43a1ozNVdyc2Q3RkppeTlPSWtoVDFnWVUzaTM3RU40cGFpMVloWk14WG9KNGNhSVl0TVctMHJoTkExMUZEc1NN?oc=5) · Sandhills Express
- 2026-02-28 [Jamie M. Kruger Obituary Feb 28, 2026 - Craig Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9KNlgwb3hpTVJlNUR4Wnl6SlhwanJYd3VIWktDNnpKcGRfRGxWYVRMOUw2MU5rMFpmT3Bva1FBX2lHMFdtSWgycnhFZnJBUG0wUHJvMVRrTzZ4clpVYU5ORE5OQQ?oc=5) · Craig Funeral Home
- 2026-08-07 [UNK College of Business and Technology recognizes Jerry Catlett with Distinguished Alumnus Award - UNK NEWS](https://news.google.com/rss/articles/CBMizAFBVV95cUxPNTlnMlRxRUpqTjN6bklsTExEU09TZnN3Wk42RmRiY3hINXY3RWU3M2tWM25ibmFPUmx6cGpDTnBONE9LdExobk41VjJvbDloYjdpSDZneDBudklTOGRlcmY3V0dkZUEtcnUzZmY1MF9YRWxDRWhKM3ZFS09xZVBXaFlNZ1BaWDlCV0EyUUw2cms4ODFsZFlwNkxDT3o3RVpUZ1JiakVtOVV5THQtWkVCNWZLV2dsSVJnZkxYMC14TFV6ekhERWhUa2ZoeTA?oc=5) · UNK NEWS
- 2023-11-28 [Best Banks to Work For 2023 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWmFXQ2d3bmkyWlhZZkZaOXVfM1pnZ2dUX2RISmVjbllTbWx6eXcyZjhjRVRuUF91Z1dvSW9XMTlkSGd5R0pIS2RJZF94cVJrRmxmc0Y5dUdTX1VDaVlRMFRhSFZLMGFEbVpOcDVZdFpjcVR0R2kwR3g0TXRYV2h0N2U1VkRvcnZKWUxaNlRLLTVkS0NScHc?oc=5) · American Banker
- 2025-11-07 [Heartland United Way makes holiday giving easy - Central Nebraska Today](https://news.google.com/rss/articles/CBMimwFBVV95cUxOc3d4RXpnTjVRWnRzWEtTN2FXQmlkOTFmb0h4aDhhZ2Njb0NIYzRHV0s1ZzJIWllBcFduNWhyWHNsYUc1SzF2QkxQOW9SdV9tVGRsX2ZoaUd6NFVtUFhrNG9NOXdVcTE3cXUzWFdUUDdVNXcxVzFKNmhzM2k3MFd4ZDVyZHpsMUJLaXFOR29kOEtJaFQ4WjkyNFNYcw?oc=5) · Central Nebraska Today
- 2025-09-09 [Nebraska Bankers Association Honors Fred and Penni Bruning for Contributions to Agriculture - Rural Radio Network](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQSGFuLTI5THdsMkdIcVJFLTBacWczdTJwSEhnZjlPeWJtV01ZTldlQWQ2S0lWaGF3TmdzUjhhMkRkbEt4SzRnUE50d3lxTUVYRXFOVmRJTDE5eVh3WEJoNE45TTlDVHBDQ3YtZ3Z6YXJ1RmhIVFJqSFRHRDBRTnd5UlFRaGRFMmplb2lUbFRaRmFrZ3BXakFuMVB0MmVrbk80NnhPTlVXWllvNVo4VWVWeUFSQW95dlhtc0QzVWlyakhGbW8?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18748 (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/60.json (key "18748", 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