TellerScore

Cattle Bank and Trust (FDIC certificate #5472) is based in Seward, Nebraska. Its Q2 2026 call report shows $421.9M in total assets and $347.2M in deposits and 4 offices.

Based on its Q2 2026 filing, Cattle Bank and Trust scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 23rd. Its strongest component is earnings (100/100; 2.14%), and its lowest is funding & liquidity (64/100; 92% loans-to-deposits, 19% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.87%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings100/100
Return on assets (annualized): 2.14%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 91.6% · 19.2% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.45%

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 (81 → 87), mostly because the earnings component improved by 15 points.

TellerScore
768287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202481
Q4 202476
Q1 202577
Q2 202581
Q3 202579
Q4 202580
Q1 202687
Q2 202687
Tier 1 leverage ratio
5.00%8.94%12.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.93%
Q3 202411.97%
Q4 202411.77%
Q1 202511.91%
Q2 202512.16%
Q3 202512.20%
Q4 202512.05%
Q1 202612.59%
Q2 202612.87%
Noncurrent loans
0.00%0.26%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.00%
Q4 20240.35%
Q1 20250.52%
Q2 20250.29%
Q3 20250.48%
Q4 20250.33%
Q1 20260.08%
Q2 20260.08%
Return on assets
1.38%1.76%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.47%
Q4 20241.38%
Q1 20251.54%
Q2 20251.62%
Q3 20251.71%
Q4 20251.65%
Q1 20262.08%
Q2 20262.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$421.9M12.87%0.08%2.14%91.6%
Q1 202687$416.3M12.59%0.08%2.08%86.1%
Q4 202580$425.7M12.05%0.33%1.65%93.2%
Q3 202579$423.1M12.20%0.48%1.71%91.5%
Q2 202581$412.4M12.16%0.29%1.62%88.6%
Q1 202577$403.7M11.91%0.52%1.54%87.9%
Q4 202476$404.6M11.77%0.35%1.38%91.8%
Q3 202481$398.6M11.97%0.00%1.47%89.6%
Q2 202480$390.9M11.93%0.10%1.43%84.7%

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 ratio12.87%
74th
Total risk-based capital0.00%
24th
Problem loans0.08%
76th
Net charge-offs0.00%
68th
Return on assets2.14%
90th
Net interest margin3.91%
49th
Efficiency ratio48.2%
87th
Loans to deposits91.6%
23rd
Uninsured deposits19.2%
67th
Loan-loss reserves1.27%
59th
Texas ratio0.5%
78th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Jones BankBank Seward, NE77 out of 100, Strong$441.2M11.2%0.39%vs
First Westroads Bank, Inc.Bank Omaha, NE77 out of 100, Strong$394.9M11.4%0.10%vs
Great Plains State BankBank Petersburg, NE45 out of 100, Below average$392.0M10.8%4.14%vs
Waypoint BankBank Cozad, NE75 out of 100, Strong$391.5M10.9%0.59%vs
Lincoln FSB of NebraskaBank Lincoln, NE69 out of 100, Moderate$387.3M11.7%0.46%vs
Sandhills State BankBank North Platte, NE69 out of 100, Moderate$382.8M8.4%0.16%vs

Deposit insurance

Is my money safe at Cattle Bank and Trust?

Yes. Cattle Bank and Trust is an FDIC-insured institution (FDIC certificate #5472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.2% of deposits ($66.7M) 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 12.87%, 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

4 locations

Branches

Cattle Bank and Trust lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cattle Bank and Trust reported 133 home-loan applications under HMDA (LEI 254900XA8J7Y4KR7AI02): 125 originated ($32,435,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, 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
Cattle Bank and Trust
Former names
The Cattle National Bank of Seward; The Cattle National Bank and Trust Company
Type
State-chartered bank
FDIC certificate #
5472
RSSD ID
529659
Primary regulator
FDIC
Holding company
Cattle Crossing Inc
Established
June 1, 1873
Headquarters
104 S 5th St, Seward, NE 68434
Employees
44

Quick answers

Cattle Bank and Trust: common questions

Is Cattle Bank and Trust FDIC insured?

Yes. Cattle Bank and Trust is an FDIC-insured institution (FDIC certificate #5472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cattle Bank and Trust's TellerScore?

87 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 Cattle Bank and Trust ever failed?

There is no failure record for FDIC certificate #5472 in the FDIC failed bank list.

How many branches does Cattle Bank and Trust have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Seward

InstitutionScoreAssetsCapitalProblem loansCompare
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
Nebraska State Employees Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$36.8M14.0%0.11%vs
Sun Pacific Federal Credit UnionCredit union Richmond, CA81 out of 100, Strong$29.9M20.5%1.16%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Jones BankBank Seward, NE77 out of 100, Strong$441.2M11.2%0.39%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs