Henderson State Bank
Henderson, Nebraska, York County
$678M in total assets, the 1,432nd largest of 4,309 US banks and 26th of 139 headquartered in Nebraska.
- FDIC certificate
- 17229
- Established
- 1943
- Owned by
- Henderson State Co
- Primary regulator
- FDIC
- Website
- www.hendersonstate.bank
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 | $678M | 96% | $293M | |
| Loans | $563M | 96% | $217M | |
| Deposits | $511M | 92% | $241M | |
| Return on assets | 1.64% | 69% | 1.32% | |
| Net interest margin | 4.01% | 56% | 3.93% | |
| Efficiency ratio | 44.3% | 14% | 57.9% | |
| Equity to assets | 10.02% | 35% | 11.11% | |
| Loans to deposits | 110% | 98% | 86% |
Growth
Total assets grew 20.6% a year over the last 5 years and 10.1% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2025 | The Culbertson Bank Culbertson, NE | $11M |
| Nov 2024 | Community First Bank Maywood, NE | $118M |
Where they operate
12 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| York County, NE | $303M | 19.9% | 2 of 5 |
| Hitchcock County, NE | $51M | 75.1% | 1 of 2 |
| Frontier County, NE | $31M | 27.4% | 2 of 4 |
| Logan County, NE | $29M | 100.0% | 1 of 1 |
| Hamilton County, NE | $27M | 5.3% | 6 of 6 |
| Greeley County, NE | $26M | 15.6% | 3 of 6 |
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 7 branches since 2016 (5 to 12, +140.0%). 3 opened, 5 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2016 | Closed York | 0 | 1 | −1 | 4 |
| 2023 | Opened Mccook | 1 | 0 | +1 | 5 |
| 2024 | Acquired Community First Bank | 4 | 0 | +4 | 9 |
| 2025 | Acquired The Culbertson Bank | 1 | 0 | +1 | 10 |
| 2026 through Q2 | Opened North Platte and Omaha | 2 | 0 | +2 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 48% | 22% | |
| Commercial real estate | 18% | 16% | |
| Farmland | 18% | 21% | |
| Business (C&I) | 12% | 11% | |
| 1-4 family residential | 4% | 16% | |
| Consumer | 1% | 2% | |
| Construction and land | 0% | 7% | |
| Multifamily | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 67% | 36% | |
| Other interest-bearing | 25% | 47% | |
| Noninterest-bearing | 8% | 17% |
Brokered deposits are 25.9% of deposits (peers 4.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.27% | 0.20% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 0.75% | 1.27% |
| Leverage ratio | 10.41% | 11.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in York County, NE
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/banks/henderson-state-bank-henderson-ne