# BANNER CAPITAL BANK
HARRISBURG, NE · FDIC certificate 19274 · 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 | $379.8M | |
| Deposits | $335.2M | |
| Loans and leases | $311.0M | |
| Total equity | $41.2M | |
| Loans / deposits | 91.60% (p74 of band) | 82.04% |
| Liquid assets / assets | 14.11% (p14 of band) | |
| Uninsured deposits / deposits | 17.73% (p21 of band) | 25.97% |
| Brokered deposits | 3.33% | |
| Wholesale funding | 3.85% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.96% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -4.36% (p66 of band) | -8.10% |
| AOCI / equity | 0.34% (p89 of band) | |
| ROA (annualized) | 1.88% (p83 of band) | 1.28% |
| Net interest margin | 4.58% (p85 of band) | 3.91% |
| Efficiency ratio | 54.26% (p28 of band) | |
| Noncurrent loans | 1.31% (p80 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 97.94% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 33.46% (p41 of band) | |
| Auto loans | $6.7M (2.16% of loans; DQ 2.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 55 | |

## Flags firing in the latest filing

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

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

- 2026-03-10 [Banner Capital Bank Data Breach Alert Issued By Wolf Haldenstein - GlobeNewswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOSnJ0Y2tUamFSdm9jSjdVbWRMQ3JZTXJkbWRqR0QycEMtRnZibFR2TWFUMnpjQU1lVFlxQ1JaNnNYUlNodlNETGVIZ3NWc2lmU0hpMVJZbklWOWotQi14Ty1BOWIwZFdvZWxPaHp0WVRuSFcxbEZVTVhRRC05dVNQZ3NPY0ptcVFwNU1SbGNJMXYxWWQ0eDRUR0RJR1A1dFFHRVNpUkY0OFdYMWo0OFdCLVBTVkZab09NOTdnMTdvdk1MQldHaTJZY0h4eEpOYUlXUEwza2x3?oc=5) · GlobeNewswire
- 2021-09-15 [City, private partners announce redevelopment of Hitching Post site - WyomingNews.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQZ1ozM0dCN08yc3BlaXprbE81bWZsTHNDZEhPUHJ6Y01RbVVoRFhMQVhsR2MtY3Y4X1dZSmlEakpQZmEta2V6NU5wOHQ4YkdXcTk3UVJURVFOTTFndUw3MWpYSjh5cDZqd29MRXBiT3I0b3BuOVJaZTU3UnpHYVJTaTdLSkhpR2gzZVI1V1AzZG14akpsVWZwSnl2NWhxa2dwZnc0dmo2R2FnWVRadUFpMmtUSF9CNjBUSkN5YU5tYTJrM0hBU1ZPbFZuS1Y4bWRfOUU3bnhXaXp0Y2pMYS11OFZRU2hvWHgxV2tudWN2T0xBZw?oc=5) · WyomingNews.com
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-05-28 [Dr. James M. Plate Obituary Jun 11, 2018 - Draucker Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5hR0dzTHFkRUt4WktUQlNtMHBFSHQ4a3hHY2phNlZLM2VVd0RlUTdhMkZSYjB6TFc3X1V1Mm9OMFVjVDhkU2hfQVBuRUdHS1l2LTA2LTMyUkhYR0hZYXNERm5HMGM?oc=5) · Draucker Funeral Home
- 2021-09-15 [Developers reveal ‘Hitching Post Plaza’ plans that feature retail, dining, residential units and hotel - Cap City News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNeXVvclVmclJNUUZPZ2RmaWU2ZVhaMS1iYU5iTGhRSVBsdkZlb0xfY2hwV3ZLT0dQOGpBSkhRSE03WWRmSmdRU3ZlNE0yYnllYk8tOUF2eG5sSElUQ19DZ3l3WV92aUc4NklSUG8tZmV6eDhsX3lqZ1NPMjJxUDhYa0FsUGpiVEFzUjVhQloyOWU2T3BlR2ZRbGg3T0VmUU1OTnFGVnd1a25ib3ZBSGxxQXFpZGpabllWV296REZ3VlB5Y0NfczlYOFY3ZHZtdHJ2UDV5Sm0wakN3Njg?oc=5) · Cap City News
- 2020-06-24 [Betty Madison Obituary - Wheat Ridge, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMllVVDhTUUpLTDI3U1E1SkdXWlE2YWR1UEhoeUJsYzh2SzhjUmEyclJVd1dQWUZxZjBMRk5INzg0NjlnMjNFLW1rX3Bxak5iTGVoXzE1VlliSmxWVGJCMzZLT0hqV2lYMHhPWjdFWl85WG1FZGdxaU5JdEtTVGcyUFQ0VVlVUQ?oc=5) · Dignity Memorial
- 2021-09-15 [Major Redevelopment Underway at Former Hitching Post Inn Site - KGAB](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaTlqdDZsVmdKWXF6QmtQaEE1dl9xQnFIY1NoVjB2cTRJUlBPUElmbmJ2M3hsSkJqU1gycE9IWi1kdUZNY01wN2Z0ZmZIUHY1ZHF4SDcyMUw5ZUpvdXI3b1d0Yjdlb0tsT2k0b2tTVUdwQVZVMk1ZRjdBNlhQZVNVUkVURkY2Zw?oc=5) · KGAB
- 2021-09-15 [Cheyenne Starts Work on New 80-Acre “Hitching Post Plaza” - cowboystatedaily.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNaGhrcVVkaFFQRGlGbVVaV0tWYWdKaG1ab0NpcVdyTW5WSjlDSnBDN2hnWm5vRnVCZC1KcjN3SXZzTzVzTERLdVNXZi1sWFVFYXZGSEYxOVpvdGhqRi16YmNsaWdxamtRSGZXOVFiRVFsVGRzMTFvY2VuQUxMM3VZOGs2elZTMnM1RkdOMHNranJDMEhpd3dlLXhZd2I?oc=5) · cowboystatedaily.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19274 (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/10.json (key "19274", 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