# NEBRASKA BANK OF COMMERCE
LINCOLN, NE · FDIC certificate 58724 · asset band <$300M · 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 | $241.2M | |
| Deposits | $204.9M | |
| Loans and leases | $215.3M | |
| Total equity | $23.2M | |
| Loans / deposits | 103.76% (p94 of band) | 73.59% |
| Liquid assets / assets | 10.53% (p4 of band) | |
| Uninsured deposits / deposits | 16.04% (p35 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.35% (p70 of band) | |
| FHLB advances / assets | 4.35% | |
| Tier 1 leverage | 9.56% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | 0.81% (p100 of band) | -6.57% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 1.08% (p45 of band) | 1.17% |
| Net interest margin | 3.47% (p28 of band) | 3.93% |
| Efficiency ratio | 56.30% (p26 of band) | |
| Noncurrent loans | 0.33% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 374.90% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 60.90% (p85 of band) | |
| Auto loans | $482,000 (0.22% of loans; DQ 2.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | loans exceed deposits, capital falling |  |
| 2011-12 | 3 |  | loans exceed deposits |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | loans exceed deposits |  |
| 2012-12 | 3 | wholesale funding >15%, capital falling |  |
| 2013-03 | 2 |  | wholesale funding >15% |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | construction >100% equity |  |
| 2014-09 | 1 |  | construction >100% equity |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 3 | capital falling | uninsured deposits leaving |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 3 | wholesale funding >15% |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 1 |  | wholesale funding >15% |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | wholesale funding >15% |  |
| 2018-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2018-12 | 3 |  | uninsured deposits leaving |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 1 |  | wholesale funding >15% |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | wholesale funding >15% |  |
| 2020-06 | 2 | capital falling | wholesale funding >15% |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | loans exceed deposits, assets shrinking |  |
| 2021-12 | 0 |  | loans exceed deposits, assets shrinking |
| 2022-03 | 1 | loans exceed deposits |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 2 | capital falling | charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | loans exceed deposits |
| 2024-06 | 1 | loans exceed deposits | capital falling |
| 2024-09 | 0 |  | loans exceed deposits |
| 2024-12 | 1 | loans exceed deposits |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | loans exceed deposits |
| 2025-09 | 2 | loans exceed deposits, capital falling |  |
| 2025-12 | 3 | uninsured deposits leaving |  |
| 2026-03 | 2 |  | uninsured deposits leaving |
| 2026-06 | 1 |  | capital falling |

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

- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2026-04-13 [Murdock man loses nearly $160,000 in 7-year extortion scam - 1011now.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNa1hBekROWXQ2cDlxdTRnX3ZxWXBUbnlqSG5Obk1ObE1GV0lndXgtalNuRVF6a04yX3IwM1BUS1dOQzd3RjBab0JLZ3RMWXNaSUs0RTFmeFpTYUpMNWJFeDFoaW9ESEhjT3poWnBBcmQzT3otMlh4cEs5VlBxM1BSb0xkaGQ4WFJDcmtMRHphQ1RTUk3SAacBQVVfeXFMT1hWNWFvMzBNMkV3dXEydElGVW0wbk84WXk1MXVnRU9EaUhjRzBubzJuLVB5U291QTBLNzdLSXA5d1h2VWJYOFNucUdxa3pzd2NUYXd3bFF3VHd0VmpWUlNzbm9hTzFUVE1oS0lTMlAwSGl0Ym9tWDc2N1hScWJlLW5oU0dRdkkwc3k2R1hZVi1rZG52LUd5YnBhMkJmZXk1RzVsUlZLamc?oc=5) · 1011now.com
- 2022-12-02 [State investigating what could be Nebraska’s largest bank fraud - Nebraska Examiner](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZmlxMmY3Z0NtSnlyamRpWW04NkRTU2ZCMzktQnN6cnVDMXRTcDY5SUtLS0hwd2kxQ0pnX2pLTk9VOU5rME1WZEhDU1FHMHhoazhrVDFVcU5QbDRaamtjRjBVN3I4QWQ0Rlo0cVpnc2o0SHlMVDBUMXNaaWxvd0wtU193eUg4UjczQnVjRHgwVXNYWndtenhuZFg4dWZ3QXAzbkY4WFRn?oc=5) · Nebraska Examiner
- 2018-08-06 [Nebraska Bank of Commerce welcomes Sam Raun - Lincoln Journal Star](https://news.google.com/rss/articles/CBMimwFBVV95cUxORkMzSm0xTWp6QzRSM2dfdE12STdUY3NheGdqWFlCN3BPSHNHcV92OUltSUJXSUktQkdrQ0szVHJLY1hYWmRCT285bk9jaWhXWjRRSGQzQXNHVS1sTFpOTlQ3NUstcUhlRUotelBGOUJ6dHZaNHFDSVRlS18tVzVRMjFCTjlRRlhpVDV0QnpGclJuODdYd3NIbnJ1RQ?oc=5) · Lincoln Journal Star
- 2017-06-23 [Sheriff's Sale Gutschow - Washington County Enterprise](https://news.google.com/rss/articles/CBMidEFVX3lxTE4yLW1MWmhYcWlkRDNvZE9zay1oTFMxN09tWHFfQnQ0amYzbU9hYk9fMkt5U0VfOGtDWUJ5aHh6bi02QnpRTUViTGc5bUF1dURvVkxNTFVyZngxSnM3U3hSNWVKVW1wMVdhNFVnNXhmZm5aMjRZ?oc=5) · Washington County Enterprise
- 2022-12-12 [Iowa bank’s lawsuit claims financial statements were fabricated as part of $44M loan scam - Nebraska Examiner](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbTBtSFdzNGJKUExUODBzaUx1NFJKM1lsSGRZcDFGQXNYWWowSlMwWXkydUxXRVd3cFVlYk42R3BiSVBGa2dlTEJBbmNtT0U2TUJ1UjhyMzFGeG9JdmEtNS1DVU1fSE5Ma0U5UGhXX2hObDBzV1hPX0xPQ0pndXFTR0ZDNWZMZE1rMVV6SC1uT2NCVkpmQVRrV0Q0UHJDNUxVaVFRODk1Q2FXU3R5OC1qdHJlU1E2dTBfYVlBcGVHZjdELXVY?oc=5) · Nebraska Examiner
- 2022-12-27 [Claims against estate of deceased Lincoln businessman now extend to Louisiana - Nebraska Examiner](https://news.google.com/rss/articles/CBMiugFBVV95cUxNT3g3d19hdFIzOUl3M3pOaHN1UTZNMmg5ZFBUNXZnVW84dzhTbVJXRTloS3NJSDdSMU02dUl6QzJnbzZuS3psV3NQQ2xUT0UzaXhHQjdQY3FiVXVlYTNrWXBtb2E3QmJCM19leVkwU3BnWEtYaXlIbmVFYVZlRk5ZdlhQSXJ0azBPTi1ibl8wT1BmVjNyOGo1LVdCbFlkUTJqWjhLTnFEZ0pzTFFKREZSeXdJLVRWUzFBMmc?oc=5) · Nebraska Examiner
- 2024-02-12 [Financial adviser who allegedly helped facilitate huge bank fraud still not charged - Nebraska Examiner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDZodVB6Nmk5N25zLTVJeEtlYmlBOXdBblFHa0lqVTU4YzF0LTRsWjd0dEtuYlpwWUdqbW1yRVVaeVQxVkQzUnhXZ25uMjFOMnZqS3VOaUhkYmF5UmNIWGhEWmE1RnBzRFdVbmxuMFkzNW9sQ1RUeEo2NWV3bC1ZUU1OcXhicC1rUjVyd3dIenJvbUltVFlnaXZPNXM5cnhLWnRjZFIxQ2E2LWMzbEQ4NzhXVGtDSHpFR2M1ZHVQRDg2QQ?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58724 (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/36.json (key "58724", 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