Banner Capital Bank
Harrisburg, Nebraska, Banner County
$380M in total assets, the 2,183rd largest of 4,309 US banks and 53rd of 139 headquartered in Nebraska.
- FDIC certificate
- 19274
- Established
- 1964
- Owned by
- Banner Cnty Ban Employee Stk Ownership Plan&tr
- Primary regulator
- FDIC
- Website
- www.bcbank.net
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $380M | 62% | $293M | |
| Loans | $311M | 74% | $217M | |
| Deposits | $335M | 65% | $241M | |
| Return on assets | 2.11% | 92% | 1.32% | |
| Net interest margin | 4.58% | 94% | 3.93% | |
| Efficiency ratio | 54.3% | 34% | 57.9% | |
| Equity to assets | 10.84% | 48% | 11.11% | |
| Loans to deposits | 93% | 69% | 86% |
Growth
Total assets grew 10.7% a year over the last 5 years and 11.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2023 | Lusk State Bank Lusk, WY, an affiliate under the same holding company | $74M |
| Feb 2018 | Oregon Trail Bank Guernsey, WY, an affiliate under the same holding company | $36M |
| Mar 2011 | First State Bank Beaver City, NE | $48M |
Where they operate
7 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Laramie County, WY | $105M | 3.3% | 11 of 19 |
| Niobrara County, WY | $79M | 83.8% | 1 of 2 |
| Furnas County, NE | $54M | 20.5% | 2 of 5 |
| Banner County, NE | $37M | 100.0% | 1 of 1 |
| Platte County, WY | $29M | 6.7% | 3 of 5 |
| Harlan County, NE | $29M | 16.2% | 4 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 4 branches since 2016 (3 to 7, +133.3%). 1 opened, 3 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2018 | Acquired Oregon Trail Bank | 2 | 0 | +2 | 5 |
| 2023 | Acquired Lusk State Bank | 1 | 0 | +1 | 6 |
| 2025 | Opened Kimball | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 28% | 23% | |
| Farmland | 28% | 21% | |
| Commercial real estate | 18% | 16% | |
| Business (C&I) | 10% | 11% | |
| 1-4 family residential | 7% | 16% | |
| Construction and land | 4% | 7% | |
| Consumer | 4% | 2% | |
| Multifamily | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 47% | |
| Time deposits | 41% | 36% | |
| Noninterest-bearing | 15% | 17% |
Brokered deposits are 3.8% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.31% | 0.20% |
| Net charge-offs, annualized | 0.02% | 0.00% |
| Reserves to loans | 1.28% | 1.27% |
| Leverage ratio | 10.96% | 11.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Laramie County, WY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banner-capital