TellerScore

Bruning Bank (FDIC certificate #18748) is based in Bruning, Nebraska. Its Q2 2026 call report shows $659.9M in total assets and $560.4M in deposits and 6 offices.

Based on its Q2 2026 filing, Bruning Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 71st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (50/100; 10.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.01%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 87.0% · 21.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 6 points (68 → 74), mostly because the earnings component improved by 20 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202467
Q4 202467
Q1 202567
Q2 202568
Q3 202568
Q4 202569
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%7.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.39%
Q3 20249.20%
Q4 20249.16%
Q1 20259.20%
Q2 20259.52%
Q3 20259.32%
Q4 20259.47%
Q1 20269.64%
Q2 202610.01%
Noncurrent loans
0.00%0.00%0.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.49%0.86%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.56%
Q4 20240.59%
Q1 20250.49%
Q2 20250.71%
Q3 20250.79%
Q4 20250.88%
Q1 20261.19%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$659.9M10.01%0.00%1.23%87.0%
Q1 202673$666.8M9.64%0.00%1.19%83.4%
Q4 202569$679.7M9.47%0.00%0.88%89.9%
Q3 202568$673.6M9.32%0.00%0.79%92.8%
Q2 202568$649.3M9.52%0.00%0.71%88.0%
Q1 202567$622.8M9.20%0.00%0.49%80.6%
Q4 202467$653.0M9.16%0.00%0.59%82.5%
Q3 202467$645.0M9.20%0.00%0.56%85.0%
Q2 202468$622.0M9.39%0.00%0.54%82.8%

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 ratio10.01%
32nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.23%
49th
Net interest margin3.81%
43rd
Efficiency ratio60.0%
57th
Loans to deposits87.0%
33rd
Uninsured deposits21.2%
60th
Loan-loss reserves1.50%
79th
Texas ratio0.0%
95th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County BankBank Blair, NE83 out of 100, Strong$662.3M12.8%0.34%vs
Citizens State BankBank Wisner, NE72 out of 100, Strong$653.0M10.1%0.20%vs
Henderson State BankBank Henderson, NE72 out of 100, Strong$678.5M10.4%0.27%vs
Arbor BankBank Nebraska City, NE57 out of 100, Moderate$701.7M8.7%1.03%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs

Deposit insurance

Is my money safe at Bruning Bank?

Yes. Bruning Bank is an FDIC-insured institution (FDIC certificate #18748). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.2% of deposits ($118.8M) 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 10.01%, 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%).

Check how much of your own balance is covered

6 locations

Branches

Bruning Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bruning Bank reported 199 home-loan applications under HMDA (LEI 254900ZK2F0EPOFMKG41): 151 originated ($37,075,000 total), 25 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, 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
Bruning Bank
Former names
Bruning State Bank
Type
State-chartered bank
FDIC certificate #
18748
RSSD ID
71457
Primary regulator
FDIC
Holding company
Bruning Bancshares Inc
Established
September 1, 1891
Headquarters
104 E Main St, Bruning, NE 68322
Employees
93

Quick answers

Bruning Bank: common questions

Is Bruning Bank FDIC insured?

Yes. Bruning Bank is an FDIC-insured institution (FDIC certificate #18748). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bruning Bank's TellerScore?

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

Has Bruning Bank ever failed?

There is no failure record for FDIC certificate #18748 in the FDIC failed bank list.

How many branches does Bruning Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bruning

InstitutionScoreAssetsCapitalProblem loansCompare
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
Thayer County BankBank Hebron, NE81 out of 100, Strong$88.5M13.0%0.32%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Citizens State BankBank Carleton, NE78 out of 100, Strong$35.6M11.4%0.00%vs
Farmers and Merchants BankBank Milligan, NE78 out of 100, Strong$215.4M11.1%0.19%vs
First Bank of UticaBank Utica, NE76 out of 100, Strong$77.4M14.3%0.63%vs