# BANK OF NEBRASKA
LA VISTA, NE · FDIC certificate 21704 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $147.4M | |
| Deposits | $132.9M | |
| Loans and leases | $122.4M | |
| Total equity | $13.9M | |
| Loans / deposits | 90.91% (p81 of band) | 73.48% |
| Liquid assets / assets | 15.81% (p14 of band) | |
| Uninsured deposits / deposits | 18.50% (p65 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.22% (p40 of band) | |
| FHLB advances / assets | 0.22% | |
| Tier 1 leverage | 9.37% (p24 of band) | 10.87% |
| Unrealized securities loss / equity | 0.00% (p66 of band) | -0.29% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | 1.03% (p63 of band) | 0.83% |
| Net interest margin | 3.76% (p59 of band) | 3.63% |
| Efficiency ratio | 76.82% (p63 of band) | |
| Noncurrent loans | 2.01% (p82 of band) | 0.63% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 64.17% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 152.56% (p99 of band) | |
| Auto loans | $324,000 (0.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | losing money, charge-offs p90 |  |
| 2011-09 | 3 |  | loans exceed deposits, liquid assets <10%, losing money |
| 2011-12 | 1 |  | construction >100% equity, charge-offs p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 1 | construction >100% equity | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |

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

- 2025-05-05 [First National Bank of Omaha to buy Kansas City bank - Banking Dive](https://news.google.com/rss/articles/CBMikAFBVV95cUxPY0ZNOVl5a1U3dUhfV1VKa3hnQzBpelZJZ3NsTGZVMlRjdlA3MTlnSXhOOGhOcHdpOE1jcGVhLVBDNkNYQXNoM0FqeFoyUmhaUkV4NzFwZnF1eEhCaVhnQ0J1Z29JR1ZwcC1fYlRKX0otQmZ5UTBHcGlwZUEtQ0szYkM0aF95eHFlRDRZVkR6YlE?oc=5) · Banking Dive
- 2017-01-25 [First National Bank president, chairman announces retiring - KETV](https://news.google.com/rss/articles/CBMimgFBVV95cUxQdkR4U2F3eE92NnkwNTNrN3FrcW5nWkRnZUZBeE5aVXI5eU5zLWhkMXRESlFXS0EtNnVzY0JkWXNQVGNFNndwN1ZtWnFmVXRna3E4QUl6VFpOVC1FX0NaQzZDTmFUTHV0NkYya3p0a3d0ZzdrZk1FZVlZdVFIeWg5d1llZGdnQXlFWmZTLU1SMklzRlNVZWhXQzln?oc=5) · KETV
- 2010-06-09 [NAB acquires TierOne Bank of Nebraska - Asian Banking & Finance](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcFVHclFCQ2k0V2FiRXVFc0RPRS1oQkQyQkQzT2xjVmNyelZ1TUJSdXFlN2swTlFzdGk1bGk0NWZpSUxPdi1sYWVIMEtHcWNNaTZyTF9xLXNoT1hSSldFdDNMRHI2NzIxVWY2VWFZUS1fUXVYVnBQQnFNOTVuYXlpbGg0MWRsbkRTX1preHowSHl6a2s?oc=5) · Asian Banking &amp; Finance
- 2024-11-21 [A gift of vision: Eye donation benefits patients, research at UNMC - University of Nebraska Medical Center](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZk1Pa3RfQl9mYTVLQ0RvSlNGQy1IRlBqanVoc0NBdnprbWllMUxRamhsQ2phTEtyRzBleHFWSEdGSEVjUUg0TjhhTWtHZjFTdC1sWUhCcWZESmNFNnlxMjJVTFdSbEJDUHpDYXlyZWxDOWpoclZMNFloVl93N3ljLW5GM3hqc0VzWGg4U0hCQjVIX1dhRmcyOFBsenBiQzNCWEdBaUNoT0xEQQ?oc=5) · University of Nebraska Medical Center
- 2023-12-18 [Sarpy County developer, Bank of Nebraska co-founder Mike Hogan, 87, was one of Papillion’s ‘giants’ - Omaha World-Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTFB1TFdQbXBGeExqNnltYWFHcGZXWUxEcUdVNld2U0dhbVMzM3FiX1NKTXRKZlNzZWhLU05KWUJXbzItQ0hFeVhlRVVDaU1Kc21tWFJVMUZiWUJ6RGhYQ3U1cUhOeVkzQldXV2FsSkxPR1FWaU16RGRtV1R2R0ZtQQ?oc=5) · Omaha World-Herald
- 2024-10-01 [City of Oakland Council Proceedings SEPTEMBER 16TH, 2024 Regular Council Meeting On SEPTEMBER 16TH, 2024, the governing body met for a Regular Meeting of the Mayor and City Council of the City of … - Washington County Enterprise](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVVFYb05ySURzZ0JaUnFDenVRd3k4bThIZmxDczNUMnFsdFZlRTRBRXh5UkM4cERYM3lVdE9INjhiczRpN3BfaXhxVFV3U0x5WUgyTFhIOXJHbG54TzM5dFJONnd5d0pVMm1nUjJDa3d4TnJfdEpzWXQ0RHdPUlBsZ1k5V0pJVHlLSG91bGJDaGZCYmVpSnoyRVB3?oc=5) · Washington County Enterprise
- 2025-05-02 [Frederick Mausolf Obituary (1941 - 2025) - Lincoln, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOajVVQlhlc0t1c3p0dTJnd2VQaTYzWFdjQzN6Ykkta015Q1dzNUM4RlczVkhOZ1lqX3ZJaGFUbnF1WFdha2I5aWZHUTFXX3JLTDdBcGtrRTZCVVBxZDdpNjB2bWV5ZHBxaG9qZXkxdzJpemVpT24wWlk3Ml9yblJkSjJfV19BRGpYRGo5cVNpRjgydWpiRlVB?oc=5) · legacy.com
- 2006-01-18 [Liza Hazlehurst Obituary (2006) - Omaha, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZnRfZUx1dU9RZnJ0UzhLZnVkZ2FITUQwYThHRTlOUFZIOU55LUEzYURIYlhPbzlRTVVjUGo1bGozZmQ1RDlqZW5OMVZHYUdwVVFWOGRLbWYzZGl1MTBUbTNpZG1lblRoQnRXM245VVdzVmRkZDRDZ0ZCNlByZ0xUdG1IY2IydVpnUE1Z?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21704 (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/8.json (key "21704", 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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