Headquartered in Fordyce, Nebraska, Cedar Security Bank is a state-chartered bank with $62.1M in total assets and $49.0M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1984.
Based on its Q2 2026 filing, Cedar Security Bank scores 87/100, which we describe as very strong. That is higher than 84% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 25th. Its strongest component is capital cushion (100/100; 18.04%), and its lowest is loan quality (68/100; 0.96%).
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
From Q2 2025 to Q2 2026, the score rose 5 points (82 → 87), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 81 |
| Q4 2024 | 80 |
| Q1 2025 | 79 |
| Q2 2025 | 82 |
| Q3 2025 | 82 |
| Q4 2025 | 85 |
| Q1 2026 | 83 |
| Q2 2026 | 87 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.90% |
| Q3 2024 | 17.82% |
| Q4 2024 | 18.23% |
| Q1 2025 | 17.42% |
| Q2 2025 | 16.42% |
| Q3 2025 | 17.25% |
| Q4 2025 | 17.98% |
| Q1 2026 | 18.20% |
| Q2 2026 | 18.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.90% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.90% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.49% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.79% |
| Q2 2026 | 0.96% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.78% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.38% |
| Q3 2025 | 1.55% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.96% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $62.1M | 18.04% | 0.96% | 2.01% | 74.3% |
| Q1 2026 | 83 | $62.2M | 18.20% | 1.79% | 1.96% | 67.0% |
| Q4 2025 | 85 | $60.4M | 17.98% | 0.99% | 1.46% | 69.9% |
| Q3 2025 | 82 | $59.7M | 17.25% | 1.49% | 1.55% | 69.6% |
| Q2 2025 | 82 | $60.3M | 16.42% | 1.36% | 1.38% | 64.8% |
| Q1 2025 | 79 | $60.0M | 17.42% | 1.90% | 1.63% | 61.7% |
| Q4 2024 | 80 | $54.9M | 18.23% | 1.16% | 0.78% | 62.2% |
| Q3 2024 | 81 | $55.7M | 17.82% | 0.90% | 0.66% | 61.8% |
| Q2 2024 | 85 | $55.0M | 17.90% | 0.28% | 0.44% | 60.8% |
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 |
|---|---|---|---|---|---|
| State Bank of ScotiaBank Scotia, NE | 59 out of 100, Moderate | $61.0M | 19.9% | 7.84% | vs |
| Stanton State BankBank Stanton, NE | 74 out of 100, Strong | $64.8M | 9.7% | 0.24% | vs |
| Bank of ClarksBank Clarks, NE | 37 out of 100, Low | $58.5M | 9.8% | 3.20% | vs |
| Generations BankBank Exeter, NE | 54 out of 100, Below average | $58.3M | 10.6% | 1.90% | vs |
| Commercial BankBank Nelson, NE | 56 out of 100, Moderate | $56.5M | 15.2% | 3.06% | vs |
| Sidney Federal Savings and Loan AssociationBank Sidney, NE | 73 out of 100, Strong | $55.6M | 14.2% | 2.00% | vs |
Deposit insurance
Is my money safe at Cedar Security Bank?
Yes. Cedar Security Bank is an FDIC-insured institution (FDIC certificate #25591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.8% of deposits ($14.1M) 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 18.04%, 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%).
3 locations
Branches
Cedar Security Bank lists 3 offices in 3 cities. Most locations:
- Fordyce, NE (1)
- Hartington, NE (1)
- Wynot, NE (1)
Identity & history
Profile
- Legal name
- Cedar Security Bank
- Type
- State-chartered bank
- FDIC certificate #
- 25591
- RSSD ID
- 550653
- Primary regulator
- FDIC
- Holding company
- Cedar Financial Holding Inc
- Established
- September 4, 1984
- Headquarters
- 117 Main St, Fordyce, NE 68736
- Employees
- 10
Quick answers
Cedar Security Bank: common questions
Is Cedar Security Bank FDIC insured?
Yes. Cedar Security Bank is an FDIC-insured institution (FDIC certificate #25591). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cedar Security Bank'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 Cedar Security Bank ever failed?
There is no failure record for FDIC certificate #25591 in the FDIC failed bank list.
How many branches does Cedar Security Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fordyce
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Security BankBank Laurel, NE | 78 out of 100, Strong | $309.9M | 13.3% | 0.63% | vs |
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |
| Commercial State BankBank Wausa, NE | 76 out of 100, Strong | $264.4M | 9.6% | 0.12% | vs |
| Bank of HartingtonBank Hartington, NE | 72 out of 100, Strong | $151.0M | 9.0% | 0.00% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |