FDIC certificate 16516
Nebraska State Bank
Lynch, Nebraska · 202 N Fourth St 68746
Hunter Score
This bank ranks below the middle of its size group.
Down 1 point from last quarter.
Compared with 534 banks with under $100 million in assets.
A high score is not a recommendation to buy or sell.
What stands out
Nebraska State Bank has a Hunter Score of 31 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with under $100 million in assets.
The FDIC reported net interest margin of 3.87% (field NIMY). Among banks with under $100 million in assets, the peer rank for this measure is 49 out of 100. A rank of 50 is typical.
The FDIC reported noncurrent loans of 3.18% (field NCLNLSR). Among banks with under $100 million in assets, the peer rank for this measure is 10 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Noncurrent loans are at least 3% of loansNoncurrent loans were 3.18% of loans (FDIC field NCLNLSR). Among banks that reported this ratio, the middle reading is 0.46%. We flag this at 3% of loans. That is not a legal limit.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Nebraska with under $100 million in assets, ordered by Hunter Score.
- Bank of Elgin86out of 100
- Scribner Bank84out of 100
- Nebraska State Bank81out of 100
- Chambers State Bank80out of 100
- Citizens State Bank79out of 100
Top Hunter Scores in Nebraska · Top scores with under $100 million in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
4.80%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 32 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.60%
Profit for each dollar of assets. Higher is stronger.
Peer rank 30 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.87%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 49 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
78.57%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 35 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
3.18%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 10 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202631 out of 100
- Q1 2026, ending March 31, 202632 out of 100
- Q4 2025, ending December 31, 202525 out of 100
- Q3 2025, ending September 30, 202523 out of 100
- Q2 2025, ending June 30, 202540 out of 100
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About this bank
- Total assets
- $25.4 million
- Deposits
- $22.3 million
- Equity
- $3.0 million
- Tangible equity
- $3.0 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 1
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Agricultural Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $71,000Year-to-date, as reported. Not annualized.
Holding company and stock symbol
This bank does not report a holding company. The Federal Reserve RSSD for the bank is 514057.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
202 N Fourth St, Lynch, NE 68746
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.