# NEBRASKA STATE BANK
OSHKOSH, NE · FDIC certificate 9819 · asset band <$300M · 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 | $74.1M | |
| Deposits | $61.0M | |
| Loans and leases | $55.5M | |
| Total equity | $12.3M | |
| Loans / deposits | 90.21% (p80 of band) | 73.59% |
| Liquid assets / assets | 20.83% (p24 of band) | |
| Uninsured deposits / deposits | 25.60% (p70 of band) | 19.81% |
| Brokered deposits | 8.10% | |
| Wholesale funding | 8.10% (p81 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.08% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -0.07% (p90 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 4.34% (p97 of band) | 1.17% |
| Net interest margin | 4.93% (p88 of band) | 3.93% |
| Efficiency ratio | 33.42% (p1 of band) | |
| Noncurrent loans | 1.40% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 68.51% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $10,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 7 | |

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

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

- 2024-05-12 [Nebraska State Bank announces Kristy Bartak appointment to NBA Board of Directors - Sandhills Express](https://news.google.com/rss/articles/CBMivwFBVV95cUxQWFFZQUdxMklzRnNQTU1TTmV2TmlHWEJkdFNlLVNLOWFwMGVGTURGQVc3RVRjbGRlN2lGc1c1NkU1cTZVYzV3cTJZbC00a1pNVzdnNm9NaVZtcTlSQ0V4U093a0c0ak9DZTllRks2WHhqLXJXUDdMa1JXVU1vZmFLQ3hTVWltNU43Y1V6ZzVFQUJDUUVvYUJJNzJuZkZZUGRNRklkLTFPb1VObWNLbjJYVENGa3Zra0xyeldENF90VQ?oc=5) · Sandhills Express
- 2024-05-03 [Former Nebraska bank president pleads guilty to fraud - WOWT](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNb2s2Zi1yUWVPSXBmMXM1S203Um5PUDVCUEM2NUozalNBTEVvOVRBa1dlRFNoNUIyWHc3UWkyOTVjRXQwUGJTUXNUcGhSMDFvREoweVFjLXNlOVladm55dDVtc0gxQTAwR0FJTVNJLUx2U3lMWWFHeHRGRWVxNFFPWXlhMVp1MjdacGww0gGfAUFVX3lxTE1sVk5Fa1QyNG1INWhpMlh2aUVCc3E2bmVrRmJTZ0cwTHhKSDhYZXhKSXB3QVo2d0xQOURHN3hjTU8zeVZRWkdzTFZsTEtRRlBkM2V1NnVCVlRnTEE2VkZmbW9kS3RZLTI2U1A4bF9iSlhxRDFST3E2NzBVWEl4cnFldVRTQjZtWXVycFRrZjV4QkpvMWRTTnM5VXQydXBHcw?oc=5) · WOWT
- 2021-12-23 [Ashton Schweitzer Obituary Dec 23, 2021 - Govier Brothers Mortuary & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTFB4ZEl1UC1Yby1TdTJ2a0NGSm9YekVFWGxYMEhYbWs0T1dMY3NNNnUyMklPSTMzTTNSLU4yTkFRZUNrd19KUzZnQlVtMWc0cUZPQmtmQUd6Q1pJc0o2VExCRllyNHhEcm5qY0c0?oc=5) · Govier Brothers Mortuary &amp; Crematory
- 2023-11-09 [Nebraska State Bank partnering with Anselmo-Merna Schools - Sandhills Express](https://news.google.com/rss/articles/CBMinwFBVV95cUxPOXdhcHNZSlFBeU9sb1dMUGZyNElUVzBSZnU4NmRBWjZaUVlWUVdWd1gxRXF4Tms2clVjOVFBQThRNWtYREVzbFhpSlZNeTQzZVc3OV84TkhxemhuTWc4ZHBJLVZ4blE5ZTloR3FvbTRKRUlCSFFmakYzSW1XQVNNRTNyaWg5ZDByV2VjY0Z1bTZtRk1sM0VJdnNYX2xRNk0?oc=5) · Sandhills Express
- 2023-01-14 [Sharie L. Lieber Obituary Jan 14, 2023 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9JcklyNkVJaS1XS3p2dC15UHRwX1NScTRzUlVER0dSYlU5QklHVDAxb0tHUVM2NUJ1S2RSeTlZY0REU2daUGdQU0htcUFWX1I3V19PY0huckFpeEE2RHpCZzMwenEwYjVN?oc=5) · Meyer Brothers Funeral Homes
- 2026-03-16 [Riggin Paul Epp Obituary (2026) - Lisco, NE - Holechek-Bondegard Funeral Homes and Cremations - Oshkosh - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5EdW10cDItTW5URlN1UkVlcFZqMEZPVk9sdmNUY09kdE1XQ0VwWDQwSXA2RHcxeEkzZm8wbTFHSjkwX2htOXg2Vlh0cnpoZ1lyTTVXUWROOTB2SS16NlFmOTZsRjVRay1hSF9HZDRpTHl4eHk3ckwxaHg3MTdwUQ?oc=5) · legacy.com
- 2018-03-19 [Marvin Dyer Obituary - Longmont, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1SWEFwOTVMT1cwMk1ULWRzanp1M2R4TlpWUm9Ndlg5d3dqOFp5MU1jckZmdWdrbUNuQ3p4d08zMzBZTTNJR0Z0aDYta2UtUlIzb09BWEJfcmdZT1U3Z0dxc1o1TFdKSEJpQW9Ob2hmM3FIQ2R2R2JOZWRoa0JIRDg?oc=5) · Dignity Memorial
- 2022-08-31 [Nebraska man killed by in shootout with U.S. Marshals in Virginia - WOWT](https://news.google.com/rss/articles/CBMid0FVX3lxTE9RTGM4ZVRDaW51NUItSm9tcVRORzJqaGpIYkpLbHhraVNLa3FzbXZJamhsX21hTFdpR2dWcFpvbnlSQkJ6a19mVlNvd0xRWTFaNHFRYUNKaE9xcmNEbTlxd0dydEx2QVpkUHZoTl9IcFdVVENtZWZJ0gGLAUFVX3lxTE9wZFk5Wkp6dkRrQzJRUllROE1fdE1VNlZiNEJnM3ZvZXctQkZEOUtXdmpqd3ljYzVOXzlrSEhRRXBraFA5dVo2RFkxcjl5eWduTVhmNjlTWWQ5SzVQOS1uNHE1eHlZYi1DTUFzTGZmSy1URVhWQTRtM25Xd0d0WnQ4a1ZRTzJiRmgtaW8?oc=5) · WOWT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9819 (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/27.json (key "9819", 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