TellerScore

Headquartered in Brunswick, Nebraska, Brunswick State Bank is a state-chartered bank with $175.6M in total assets and $158.6M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1930.

Brunswick State Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 118th. Problem-loan coverage contributes the most (74/100, 13.0%); capital cushion contributes the least (44/100, 9.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.39%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.30%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.5% · 11.9% uninsured
Problem-loan coverage74/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.05%

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 fell 2 points (61 → 59), mostly because the earnings component weakened by 10 points.

TellerScore
596469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202469
Q1 202567
Q2 202561
Q3 202562
Q4 202563
Q1 202665
Q2 202659
Tier 1 leverage ratio
5.00%7.38%9.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.68%
Q3 20249.55%
Q4 20249.32%
Q1 20259.44%
Q2 20259.40%
Q3 20259.75%
Q4 20259.43%
Q1 20269.54%
Q2 20269.39%
Noncurrent loans
0.59%0.94%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.70%
Q3 20240.66%
Q4 20240.59%
Q1 20250.86%
Q2 20251.28%
Q3 20251.27%
Q4 20250.71%
Q1 20260.66%
Q2 20261.30%
Return on assets
0.97%1.35%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.74%
Q3 20241.71%
Q4 20241.71%
Q1 20251.63%
Q2 20251.51%
Q3 20251.50%
Q4 20250.97%
Q1 20261.16%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$175.6M9.39%1.30%1.25%93.5%
Q1 202665$174.6M9.54%0.66%1.16%94.4%
Q4 202563$170.9M9.43%0.71%0.97%94.6%
Q3 202562$167.8M9.75%1.27%1.50%99.4%
Q2 202561$171.5M9.40%1.28%1.51%93.8%
Q1 202567$173.6M9.44%0.86%1.63%90.2%
Q4 202469$174.8M9.32%0.59%1.71%90.4%
Q3 202468$168.0M9.55%0.66%1.71%104.5%
Q2 202469$161.8M9.68%0.70%1.74%94.7%

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 ratio9.39%
19th
Total risk-based capital0.00%
24th
Problem loans1.30%
21st
Net charge-offs-0.87%
100th
Return on assets1.25%
50th
Net interest margin3.95%
51st
Efficiency ratio61.0%
54th
Loans to deposits93.5%
19th
Uninsured deposits11.9%
90th
Loan-loss reserves1.70%
87th
Texas ratio13.0%
13th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Cedar Rapids State BankBank Cedar Rapids, NE55 out of 100, Moderate$174.9M9.6%1.73%vs
Foundation One BankBank Waterloo, NE65 out of 100, Moderate$182.2M9.8%0.41%vs
First National Bank in OrdBank Ord, NE88 out of 100, Very strong$165.6M11.4%0.00%vs
United Republic BankBank Elkhorn, NE36 out of 100, Low$185.8M11.6%4.89%vs
South Central State BankBank Campbell, NE96 out of 100, Very strong$192.1M15.2%0.00%vs
Western Nebraska BankBank Curtis, NE75 out of 100, Strong$193.3M10.1%0.01%vs

Deposit insurance

Is my money safe at Brunswick State Bank?

Yes. Brunswick State Bank is an FDIC-insured institution (FDIC certificate #13692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.9% of deposits ($18.9M) 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 9.39%, 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

3 locations

Branches

Brunswick State Bank lists 3 offices in 3 cities. Most locations:

  • Brunswick, NE (1)
  • Magnet, NE (1)
  • Winnetoon, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
Brunswick State Bank
Type
State-chartered bank
FDIC certificate #
13692
RSSD ID
413758
Primary regulator
FDIC
Holding company
Bsb Bancshares Inc
Established
January 1, 1930
Headquarters
226 2nd St, Brunswick, NE 68720
Employees
19

Quick answers

Brunswick State Bank: common questions

Is Brunswick State Bank FDIC insured?

Yes. Brunswick State Bank is an FDIC-insured institution (FDIC certificate #13692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Brunswick State Bank's TellerScore?

59 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 Brunswick State Bank ever failed?

There is no failure record for FDIC certificate #13692 in the FDIC failed bank list.

How many branches does Brunswick State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brunswick

InstitutionScoreAssetsCapitalProblem loansCompare
Chambers State BankBank Chambers, NE91 out of 100, Very strong$89.2M24.7%0.39%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Security BankBank Laurel, NE78 out of 100, Strong$309.9M13.3%0.63%vs
Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE77 out of 100, Strong$232.9M9.5%0.07%vs