TellerScore

Banner Capital Bank is a state-chartered bank headquartered in Harrisburg, Nebraska, in business for about 62 years. At the end of Q2 2026 it reported $379.8M in total assets and $335.2M in deposits, with 7 offices across 2 states.

Banner Capital Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 98th. Earnings contributes the most (95/100, 1.88%); loan quality contributes the least (56/100, 1.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.96%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.31%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 91.6% · 17.7% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.02%

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

From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the problem-loan coverage component improved by 10 points.

TellerScore
606978Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202473
Q4 202464
Q1 202560
Q2 202566
Q3 202567
Q4 202578
Q1 202674
Q2 202669
Tier 1 leverage ratio
5.00%7.98%10.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.82%
Q3 202410.57%
Q4 202410.30%
Q1 202510.54%
Q2 202510.78%
Q3 202510.86%
Q4 202510.77%
Q1 202610.76%
Q2 202610.96%
Noncurrent loans
0.54%1.28%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.04%
Q3 20240.81%
Q4 20241.68%
Q1 20252.02%
Q2 20251.58%
Q3 20251.53%
Q4 20250.54%
Q1 20260.60%
Q2 20261.31%
Return on assets
1.65%1.88%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.87%
Q3 20241.95%
Q4 20241.89%
Q1 20251.81%
Q2 20251.89%
Q3 20251.91%
Q4 20252.11%
Q1 20261.65%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$379.8M10.96%1.31%1.88%91.6%
Q1 202674$368.9M10.76%0.60%1.65%89.6%
Q4 202578$368.9M10.77%0.54%2.11%88.1%
Q3 202567$360.3M10.86%1.53%1.91%88.0%
Q2 202566$355.4M10.78%1.58%1.89%87.3%
Q1 202560$351.1M10.54%2.02%1.81%88.1%
Q4 202464$359.2M10.30%1.68%1.89%86.1%
Q3 202473$353.0M10.57%0.81%1.95%93.1%
Q2 202470$341.2M10.82%1.04%1.87%99.3%

2,650 peers · $100 million – $1 billion

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).

Capital ratio10.96%
50th
Total risk-based capital13.21%
58th
Problem loans1.31%
21st
Net charge-offs0.02%
40th
Return on assets1.88%
83rd
Net interest margin4.58%
82nd
Efficiency ratio54.3%
74th
Loans to deposits91.6%
23rd
Uninsured deposits17.7%
73rd
Loan-loss reserves1.28%
60th
Texas ratio9.0%
20th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Sandhills State BankBank North Platte, NE69 out of 100, Moderate$382.8M8.4%0.16%vs
Lincoln FSB of NebraskaBank Lincoln, NE69 out of 100, Moderate$387.3M11.7%0.46%vs
First Nebraska BankBank Valley, NE75 out of 100, Strong$371.4M10.3%0.23%vs
Waypoint BankBank Cozad, NE75 out of 100, Strong$391.5M10.9%0.59%vs
Flatwater BankBank Gothenburg, NE56 out of 100, Moderate$367.7M9.4%1.76%vs
Great Plains State BankBank Petersburg, NE45 out of 100, Below average$392.0M10.8%4.14%vs

Deposit insurance

Is my money safe at Banner Capital Bank?

Yes. Banner Capital Bank is an FDIC-insured institution (FDIC certificate #19274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.7% of deposits ($59.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.21% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Banner Capital Bank lists 7 offices in 7 cities across 2 states. Most locations:

  • Alma, NE (1)
  • Beaver City, NE (1)
  • Cheyenne, WY (1)
  • Guernsey, WY (1)
  • Harrisburg, NE (1)
  • Kimball, NE (1)
  • Lusk, WY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Banner Capital Bank reported 34 home-loan applications under HMDA (LEI 254900A5K6I0R2E5GL87): 27 originated ($4,175,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Banner Capital Bank
Former names
Banner County Bank, Inc.
Type
State-chartered bank
FDIC certificate #
19274
RSSD ID
275255
Primary regulator
FDIC
Holding company
Banner Cnty Ban Employee Stk Ownership Plan&tr
Established
October 10, 1964
Headquarters
205 State St, Harrisburg, NE 69345
Employees
55

Quick answers

Banner Capital Bank: common questions

Is Banner Capital Bank FDIC insured?

Yes. Banner Capital Bank is an FDIC-insured institution (FDIC certificate #19274). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Banner Capital Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Banner Capital Bank ever failed?

There is no failure record for FDIC certificate #19274 in the FDIC failed bank list.

How many branches does Banner Capital Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Harrisburg

InstitutionScoreAssetsCapitalProblem loansCompare
Riverstone BankBank Eagle, NE76 out of 100, Strong$593.4M9.7%0.05%vs
First National Bank of OmahaBank Omaha, NE72 out of 100, Strong$34.2B10.8%0.78%vs
Platte Valley BankBank Scottsbluff, NE66 out of 100, Moderate$1.2B9.5%0.57%vs
Nebraska Rural Community Federal Credit UnionCredit union Morrill, NE34 out of 100, Low$3.7M10.0%4.28%vs