# NEBRASKALAND BANK
NORTH PLATTE, NE · FDIC certificate 34811 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.06B | |
| Deposits | $853.7M | |
| Loans and leases | $737.3M | |
| Total equity | $90.6M | |
| Loans / deposits | 85.53% (p46 of band) | 87.10% |
| Liquid assets / assets | 25.16% (p64 of band) | |
| Uninsured deposits / deposits | 36.84% (p65 of band) | 30.76% |
| Brokered deposits | 4.17% | |
| Wholesale funding | 15.22% (p80 of band) | |
| FHLB advances / assets | 9.87% | |
| Tier 1 leverage | 9.12% (p15 of band) | 10.50% |
| Unrealized securities loss / equity | -9.60% (p41 of band) | -7.75% |
| AOCI / equity | 0.32% (p89 of band) | |
| ROA (annualized) | 0.52% (p9 of band) | 1.26% |
| Net interest margin | 2.83% (p10 of band) | 3.70% |
| Efficiency ratio | 72.84% (p84 of band) | |
| Noncurrent loans | 0.29% (p32 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 337.52% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 26.48% (p26 of band) | |
| Auto loans | $689,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.0M (10% of equity) (p87 of band) | |
| Deposits YoY | 18.0% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | construction >100% equity |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 |  | construction >100% equity, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | brokered >10% |
| 2017-06 | 2 | brokered >10% |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2018-06 | 1 |  | brokered >10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | brokered >10% |  |
| 2019-09 | 1 |  | brokered >10% |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | wholesale funding >15% |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | wholesale funding >15% |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | NIM <2.5%, uninsured deposits leaving |  |
| 2023-09 | 4 | capital falling, securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 4 | deposits shrinking, uninsured deposits leaving | capital falling, securities losses >30% of equity |
| 2024-03 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 3 | reserve under noncurrent |  |
| 2025-06 | 2 |  | NIM <2.5% |
| 2025-09 | 2 | charge-offs p90 | reserve under noncurrent |
| 2025-12 | 1 |  | charge-offs p90 |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-05-15 [NebraskaLand Bank to host Community Shred Day on May 19 - Central Nebraska Today](https://news.google.com/rss/articles/CBMipwFBVV95cUxQRURxZks4UzVGcVhINmNwbWNQRU1lNFdDYlRVNmFSSWpCT3JGZWZJYUVZVGI5Zy1meG5Mc0NrX2FtdW9GeDNYdFM3SGc3ZTNKaXNPcUw4MFRFdXUwRTRNeEQxZXRaZDlxMUZtbWM3RnI3blkwbklwRDVCbERhWTI3UUlpbEVTeGJOUF9ZOHF2RFVYeWt3S1o1WE5uMTBUNmlCM0FVdFZIdw?oc=5) · Central Nebraska Today
- 2026-05-01 [NebraskaLand Bank awards $14,500 in scholarships to 52 financial literacy graduates - KHGI](https://news.google.com/rss/articles/CBMisgFBVV95cUxOemdheEcxVS1rV1ZIMFJRb0JSWHhWZDBaOFl0NDV4WHIzdGptTk5pTXNIX3ZjRjBScTgwaTZrV1Vlb2lMUnRPU28zdjZRQ1k0UUlCRm51eWhQZGtPTmptcWVVX0YxMTFMWkFYNnJ1WFZXcVJBYWhnQkQ1b3UydjlPVGkxLVZUbzYxVnh6M0dKb3AxcnBIS2ZjWnRCRjBQeTdDdFQtbGdLWE9EbU5wdzZBdkdR?oc=5) · KHGI
- 2026-02-13 [NebraskaLand Bank employees donate portion of salaries to local nonprofits - knopnews2.com](https://news.google.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?oc=5) · knopnews2.com
- 2026-05-15 [NebraskaLand Bank Announces NBA Leadership Program Milestones for Derek Minshull and Amy Wolfskill - North Platte Post](https://news.google.com/rss/articles/CBMiekFVX3lxTE5OSENSVGItN0J1a2djX2Rmb1Rablc3Z1JwdG1VOWxyZnBOQkY1S0xCb3VwMUI5M3UxN1JBT1NYSXhFaXhvd1g5ODg4bXp0bjNtTjJTbUJVM1RtMFhPY1QxdmRTRXBjaFIyMEJ1RDg4V1ZPSHRlMFZvYXVR?oc=5) · North Platte Post
- 2026-04-20 [Nebraskaland Bank donates $48,000 to Lincoln County fire departments - knopnews2.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQcUlEaGt0SFF3MTlEZUhIVkZwNm0tX2hFUlJ2b212d1B6WDVGWTFzQ2FfYmM0LTF0ZXFSNy1PRWZ1dGhHUHBEY2NKRWExN0V0dXlCU1dnUWpHcEpLRmhndFRabXFuNGtMN2RuN19Ea2VCUTcydFlfYkhaUnRaV2ZLRFNld2VKUWFncElNNkxDZFJEU1VDbEtTS3lrNHJIcVQ4OHlJ0gG3AUFVX3lxTFBsR3BhT0xvOVVJckp2RjZkbnBjc1VtQ3o4TlNTMHAtbzZpeHc3YVh3YWdUQl96UU9paV9PR1JacUxyWVFaVERoVW8wVnBnTWVrQTFHU1UwSjBGT0xfUzRCeE0zQXI3UXdVZGpwd2hmd1BnU3BXcDlnQnhEZ3Nrb2NwZU9YRVVWaTh3MEo5UUNqOVBIbU9PcWFhTTB4bmVaVElNQ1hDUzlZSFdiemNydTZEZHRzcEtVZw?oc=5) · knopnews2.com
- 2024-10-11 [Lopers Roll Through: Drive-thru tailgate at NebraskaLand Bank serves up fun, food and school spirit - UNK NEWS](https://news.google.com/rss/articles/CBMizgFBVV95cUxOeTZHMFdlOTlvUTliVlh4cEFUTTJrR1NRUzFKYmhaRzBGM2xFOTBaUU9naWNoTzRpVGlEV3EzbGFRdUZ4UU1kY1d6aFljZ1piSHU3Q3ByeGNZRFc0VWZyRE5meUlfQk1YTlliM1o0eHpXMV9Ca2l3ZmdBeFdHdzEtbm5BakdRdTJyX3NmTHItRW9Ea2g3TG1PYWdVSGt2c0UzamM3ZXNtbU1OWHhMQWhwTTctZWNKUWhsSGoxc3lFVXVSTXJ6NngtSHlvVkkxdw?oc=5) · UNK NEWS
- 2025-08-04 [Angie Kreutzer named Assistant Vice President, Mortgage Loan Officer at NebraskaLand Bank Kearney - Central Nebraska Today](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOVWs5Wmp3SWUxVGdyTnQ5aWxsMWl5RUdMdDExVmMway1xZ0hhTVpRTTNCdnJ1T1ZsaXZlY0hDa3ltOTlWcXROdTM1bmo2cW1lVmFXWWZ3MjlOMXd1ZlAyZUktVjdvM2JnM3VlUFhjTkFBSy1wOTBVMXU2NzhUOURCb1VLNlpDZVBaX2o1eEpMODJhYjlZUGNodndzVVpuUmtZZ2FlQVdaZHZxM05EZUlISHRfcGt0X21kbHhtanpzUWQtOFdDcHdwS0NNSGNCSDhsdmp0c2hhWFNzS0k1cWc?oc=5) · Central Nebraska Today
- 2022-04-12 [Nebraskaland Bank announces newly elected board members - North Platte Post](https://news.google.com/rss/articles/CBMiekFVX3lxTE9TUlRKdHlhbVZpVWxfVVEzSEhJOHY3anR6U3doWmFlRUtwdjMzNm1lRkZ0SC1DUzNoRk01dE5WVGE0dHRYLXJlTGxFbmZBZXpuMDQ2cUViazVfWXlNb1hJSWhXSXNCQ3dBQkN0eWp0WHVhekpQTG5aVE5B?oc=5) · North Platte Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34811 (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/59.json (key "34811", 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