TellerScore

Headquartered in Omaha, Nebraska, Core Bank is a state-chartered bank with $1.1B in total assets and $833.7M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1996.

Core Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 111th. Problem-loan coverage contributes the most (98/100, 0.9%); funding & liquidity contributes the least (37/100, 104% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.77%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 103.9% · 32.3% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.87%

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 (58 → 64), mostly because the earnings component improved by 12 points.

TellerScore
545964Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202454
Q3 202454
Q4 202455
Q1 202557
Q2 202558
Q3 202560
Q4 202562
Q1 202663
Q2 202664
Tier 1 leverage ratio
5.00%7.38%9.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.33%
Q3 20248.44%
Q4 20248.63%
Q1 20258.68%
Q2 20258.93%
Q3 20259.23%
Q4 20259.30%
Q1 20269.45%
Q2 20269.77%
Noncurrent loans
0.11%0.20%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.26%
Q4 20240.28%
Q1 20250.20%
Q2 20250.22%
Q3 20250.19%
Q4 20250.21%
Q1 20260.17%
Q2 20260.11%
Return on assets
0.03%0.38%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.03%
Q3 20240.12%
Q4 20240.18%
Q1 20250.32%
Q2 20250.42%
Q3 20250.44%
Q4 20250.57%
Q1 20260.70%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.1B9.77%0.11%0.72%103.9%
Q1 202663$1.1B9.45%0.17%0.70%101.0%
Q4 202562$1.1B9.30%0.21%0.57%98.1%
Q3 202560$1.1B9.23%0.19%0.44%102.3%
Q2 202558$1.1B8.93%0.22%0.42%105.0%
Q1 202557$1.1B8.68%0.20%0.32%104.2%
Q4 202455$1.1B8.63%0.28%0.18%104.6%
Q3 202454$1.1B8.44%0.26%0.12%103.1%
Q2 202454$1.1B8.33%0.18%0.03%103.9%

897 peers · $1 billion – $10 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 ratio9.77%
31st
Total risk-based capital13.42%
48th
Problem loans0.11%
85th
Net charge-offs-0.00%
88th
Return on assets0.72%
16th
Net interest margin3.15%
21st
Efficiency ratio77.6%
9th
Loans to deposits103.9%
8th
Uninsured deposits32.3%
46th
Loan-loss reserves1.39%
80th
Texas ratio0.9%
85th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Nebraskaland BankBank North Platte, NE60 out of 100, Moderate$1.1B9.1%0.29%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Cornhusker BankBank Lincoln, NE74 out of 100, Strong$1.0B10.1%0.02%vs
FirsTier BankBank Kimball, NE38 out of 100, Low$1.0B11.4%4.51%vs
Access BankBank Omaha, NE65 out of 100, Moderate$1.1B10.7%0.51%vs
First State Bank NebraskaBank Lincoln, NE71 out of 100, Strong$1.1B9.0%0.24%vs

Deposit insurance

Is my money safe at Core Bank?

Yes. Core Bank is an FDIC-insured institution (FDIC certificate #34363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.3% of deposits ($269.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.77%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.42% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Core Bank lists 5 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Core Bank reported 551 home-loan applications under HMDA (LEI 549300Y01XP7FO81MC08): 456 originated ($144,580,000 total), 25 denied, and 66 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, 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
Core Bank
Former names
Sapp City Bank; Centennial Bank
Type
State-chartered bank
FDIC certificate #
34363
RSSD ID
976552
Primary regulator
FDIC
Holding company
Ds Holding Co Inc
Established
December 27, 1996
Headquarters
17807 Burke St, Omaha, NE 68118
Employees
124

Quick answers

Core Bank: common questions

Is Core Bank FDIC insured?

Yes. Core Bank is an FDIC-insured institution (FDIC certificate #34363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Core Bank's TellerScore?

64 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 Core Bank ever failed?

There is no failure record for FDIC certificate #34363 in the FDIC failed bank list.

How many branches does Core Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Omaha

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
North Western Employees Credit UnionCredit union Council Bluffs, IA94 out of 100, Very strong$10.4M21.4%0.00%vs
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
Omaha Firefighters Credit UnionCredit union Omaha, NE92 out of 100, Very strong$76.0M17.5%0.04%vs
Neighborhood Community Federal Credit UnionCredit union Omaha, NE92 out of 100, Very strong$31.0M14.2%0.17%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs