# NEBRASKA NATIONAL BANK
KEARNEY, NE · FDIC certificate 34028 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $163.2M | |
| Deposits | $135.4M | |
| Loans and leases | $95.4M | |
| Total equity | $15.7M | |
| Loans / deposits | 69.03% (p45 of band) | 71.39% |
| Liquid assets / assets | 37.40% (p59 of band) | |
| Uninsured deposits / deposits | 6.14% (p38 of band) | 8.02% |
| Brokered deposits | 1.45% | |
| Wholesale funding | 8.50% (p77 of band) | |
| FHLB advances / assets | 6.52% | |
| Tier 1 leverage | 8.95% (p30 of band) | 9.99% |
| Unrealized securities loss / equity | 8.29% (p75 of band) | 3.72% |
| AOCI / equity | 6.41% (p85 of band) | |
| ROA (annualized) | 1.29% (p78 of band) | 0.72% |
| Net interest margin | 3.75% (p43 of band) | 3.86% |
| Efficiency ratio | 51.91% (p8 of band) | |
| Noncurrent loans | 1.91% (p58 of band) | 1.48% |
| Net charge-offs (annualized) | 0.29% (p68 of band) | |
| Reserve coverage of noncurrent | 105.38% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 16.78% (p49 of band) | |
| Auto loans | $793,000 (0.83% of loans; DQ 15.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |

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

- 2026-08-17 [Richard Stull - chadronradio.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTFBLZ053ZE1qRDhiR3pwX18talh1cnVQOFFaY09sSmtCVFVYNGNOODhDTndWeW12WVdBQ19lNnNFSlFaaW5XNDB4TkRfa3Vtd19y?oc=5) · chadronradio.com
- 2017-07-31 [Omaha’s bid to become a Federal Reserve Bank location - Kansas City Fed](https://news.google.com/rss/articles/CBMifEFVX3lxTE9FVmNqWEdOb2VqOVRJSUpFc21FczEtbDdhTHNucGlOMVlOZmVBZFhKX3hBUEQxSUtsOWFYXzNuSVBVZENPTW96YmFXZmtGNUtFdC1LbVdiLWo3OTdlbmxBWXVlRUVxV1ZVOEJzUGdROUNlejFkbGNlcDY3aDY?oc=5) · Kansas City Fed

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34028 (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/44.json (key "34028", 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