Bank of Elgin is a state-chartered bank (fed member) headquartered in Elgin, Nebraska, in business for about 91 years. At the end of Q2 2026 it reported $87.3M in total assets and $74.7M in deposits, with 1 office.
Bank of Elgin has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 7th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (78/100, 77% loans-to-deposits, 21% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 92).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 93 |
| Q4 2024 | 92 |
| Q1 2025 | 91 |
| Q2 2025 | 93 |
| Q3 2025 | 94 |
| Q4 2025 | 93 |
| Q1 2026 | 93 |
| Q2 2026 | 92 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.48% |
| Q3 2024 | 13.52% |
| Q4 2024 | 13.82% |
| Q1 2025 | 12.96% |
| Q2 2025 | 13.93% |
| Q3 2025 | 14.26% |
| Q4 2025 | 14.19% |
| Q1 2026 | 13.49% |
| Q2 2026 | 13.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.00% |
| Q3 2024 | 2.11% |
| Q4 2024 | 2.13% |
| Q1 2025 | 1.95% |
| Q2 2025 | 2.00% |
| Q3 2025 | 2.13% |
| Q4 2025 | 2.14% |
| Q1 2026 | 2.12% |
| Q2 2026 | 2.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $87.3M | 13.54% | 0.00% | 2.34% | 76.7% |
| Q1 2026 | 93 | $84.0M | 13.49% | 0.00% | 2.12% | 76.4% |
| Q4 2025 | 93 | $86.4M | 14.19% | 0.00% | 2.14% | 81.0% |
| Q3 2025 | 94 | $80.8M | 14.26% | 0.00% | 2.13% | 81.1% |
| Q2 2025 | 93 | $79.2M | 13.93% | 0.00% | 2.00% | 82.5% |
| Q1 2025 | 91 | $77.5M | 12.96% | 0.00% | 1.95% | 79.5% |
| Q4 2024 | 92 | $88.1M | 13.82% | 0.00% | 2.13% | 85.7% |
| Q3 2024 | 93 | $80.1M | 13.52% | 0.00% | 2.11% | 78.9% |
| Q2 2024 | 93 | $78.6M | 13.48% | 0.00% | 2.00% | 76.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Scribner BankBank Scribner, NE | 96 out of 100, Very strong | $86.9M | 16.6% | 0.04% | vs |
| Siouxland BankBank South Sioux City, NE | 88 out of 100, Very strong | $88.3M | 12.4% | 0.00% | vs |
| Thayer County BankBank Hebron, NE | 81 out of 100, Strong | $88.5M | 13.0% | 0.32% | vs |
| Chambers State BankBank Chambers, NE | 91 out of 100, Very strong | $89.2M | 24.7% | 0.39% | vs |
| First Bank and Trust CompanyBank Minden, NE | 78 out of 100, Strong | $91.2M | 10.5% | 0.00% | vs |
| Clarkson BankBank Clarkson, NE | 82 out of 100, Strong | $81.4M | 11.0% | 0.19% | vs |
Deposit insurance
Is my money safe at Bank of Elgin?
Yes. Bank of Elgin is an FDIC-insured institution (FDIC certificate #16154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.5% of deposits ($15.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Bank of Elgin lists 1 office in 1 city. Most locations:
- Elgin, NE (1)
Identity & history
Profile
- Legal name
- Bank of Elgin
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 16154
- RSSD ID
- 485054
- Primary regulator
- FED
- Holding company
- Antelope Bancshares Inc
- Established
- August 27, 1935
- Headquarters
- 101 N 2nd St, Elgin, NE 68636
- Website
- www.bankofelgin.com
- Employees
- 9
Quick answers
Bank of Elgin: common questions
Is Bank of Elgin FDIC insured?
Yes. Bank of Elgin is an FDIC-insured institution (FDIC certificate #16154). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Elgin's TellerScore?
92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Elgin ever failed?
There is no failure record for FDIC certificate #16154 in the FDIC failed bank list.
How many branches does Bank of Elgin have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elgin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| Chambers State BankBank Chambers, NE | 91 out of 100, Very strong | $89.2M | 24.7% | 0.39% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| Madison County BankBank Madison, NE | 85 out of 100, Very strong | $613.2M | 15.1% | 0.37% | vs |
| Meadow Grove Federal Credit UnionCredit union Meadow Grove, NE | 76 out of 100, Strong | $6.3M | 15.4% | 2.10% | vs |