Nebraska Bank
Dodge, Nebraska, Dodge County
$552M in total assets, the 1,700th largest of 4,309 US banks and 40th of 139 headquartered in Nebraska.
- FDIC certificate
- 16116
- Established
- 1889
- Owned by
- Farmers State Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.ne.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 | $552M | 79% | $293M | |
| Loans | $391M | 80% | $217M | |
| Deposits | $467M | 80% | $241M | |
| Return on assets | 1.27% | 44% | 1.33% | |
| Net interest margin | 4.02% | 59% | 3.93% | |
| Efficiency ratio | 65.8% | 80% | 57.7% | |
| Equity to assets | 11.02% | 49% | 11.11% | |
| Loans to deposits | 84% | 38% | 87% |
Growth
Total assets grew 10.0% a year over the last 5 years and 14.4% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2017 | Farmers State Bank Carroll, NE | $28M |
| Mar 2017 | Farmers State Bank, Spencer Spencer, NE | $50M |
Where they operate
10 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Dodge County, NE | $111M | 5.9% | 5 of 12 |
| Box Butte County, NE | $104M | 29.8% | 2 of 7 |
| Morrill County, NE | $59M | 31.7% | 2 of 4 |
| Dawes County, NE | $52M | 15.7% | 4 of 6 |
| Holt County, NE | $49M | 7.8% | 6 of 7 |
| Richardson County, NE | $28M | 7.3% | 5 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 6 branches since 2016 (4 to 10, +150.0%). 6 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2017 | Acquired Farmers State Bank and Farmers State Bank, SpencerOpened Atkinson and Carroll | 3 | 0 | +3 | 7 |
| 2020 | Opened Hickman | 1 | 0 | +1 | 8 |
| 2021 | Opened HickmanClosed Hickman | 1 | 1 | 0 | 8 |
| 2022 | Opened Hemingford | 1 | 0 | +1 | 9 |
| 2026 through Q2 | Opened Falls City | 1 | 0 | +1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Agricultural | 25% | 23% | |
| Commercial real estate | 23% | 16% | |
| Farmland | 19% | 21% | |
| Business (C&I) | 10% | 11% | |
| 1-4 family residential | 8% | 16% | |
| Construction and land | 7% | 7% | |
| Multifamily | 2% | 3% | |
| Consumer | 2% | 2% | |
| Other | 4% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 48% | 36% | |
| Other interest-bearing | 36% | 47% | |
| Noninterest-bearing | 16% | 17% |
Brokered deposits are 1.9% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.43% | 0.20% |
| Net charge-offs, annualized | 0.46% | 0.00% |
| Reserves to loans | 0.96% | 1.27% |
| Leverage ratio | 11.39% | 11.19% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Dodge 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/nebraska-bank-dodge-ne