TellerScore

Cornhusker Bank (FDIC certificate #14264) is based in Lincoln, Nebraska. Its Q2 2026 call report shows $1.0B in total assets and $852.8M in deposits and 9 offices.

Cornhusker Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 70th. Problem-loan coverage contributes the most (100/100, 0.1%); capital cushion contributes the least (51/100, 10.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.12%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 98.9% · 20.0% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.14%

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 (69 → 74), mostly because the earnings component improved by 16 points.

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202467
Q1 202568
Q2 202569
Q3 202571
Q4 202571
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.56%10.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.31%
Q3 20249.55%
Q4 20249.59%
Q1 20259.52%
Q2 20259.48%
Q3 20259.73%
Q4 20259.78%
Q1 202610.09%
Q2 202610.12%
Noncurrent loans
0.01%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.08%
Q4 20240.06%
Q1 20250.05%
Q2 20250.05%
Q3 20250.02%
Q4 20250.05%
Q1 20260.05%
Q2 20260.02%
Return on assets
0.60%1.01%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.64%
Q4 20240.70%
Q1 20250.89%
Q2 20251.02%
Q3 20251.07%
Q4 20251.05%
Q1 20261.42%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$1.0B10.12%0.02%1.43%98.9%
Q1 202674$1.0B10.09%0.05%1.42%96.3%
Q4 202571$1.0B9.78%0.05%1.05%94.7%
Q3 202571$1.0B9.73%0.02%1.07%98.2%
Q2 202569$1.0B9.48%0.05%1.02%100.9%
Q1 202568$1.0B9.52%0.05%0.89%100.7%
Q4 202467$982.1M9.59%0.06%0.70%99.3%
Q3 202466$963.7M9.55%0.08%0.64%96.6%
Q2 202467$971.3M9.31%0.01%0.60%94.6%

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 ratio10.12%
40th
Total risk-based capital13.94%
54th
Problem loans0.02%
94th
Net charge-offs0.02%
60th
Return on assets1.43%
65th
Net interest margin3.41%
32nd
Efficiency ratio62.0%
40th
Loans to deposits98.9%
17th
Uninsured deposits20.0%
82nd
Loan-loss reserves1.24%
63rd
Texas ratio0.1%
94th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
FirsTier BankBank Kimball, NE38 out of 100, Low$1.0B11.4%4.51%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Nebraskaland BankBank North Platte, NE60 out of 100, Moderate$1.1B9.1%0.29%vs
Core BankBank Omaha, NE64 out of 100, Moderate$1.1B9.8%0.11%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 Cornhusker Bank?

Yes. Cornhusker Bank is an FDIC-insured institution (FDIC certificate #14264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.0% of deposits ($170.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.94% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Cornhusker Bank lists 6 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornhusker Bank reported 489 home-loan applications under HMDA (LEI 254900EQ47K76CF2A976): 423 originated ($141,435,000 total), 25 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, 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
Cornhusker Bank
Former names
Farmers State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
14264
RSSD ID
544652
Primary regulator
FED
Holding company
Cornhusker Growth Corp
Established
August 24, 1903
Headquarters
8310 O St, Lincoln, NE 68510
Employees
139

Quick answers

Cornhusker Bank: common questions

Is Cornhusker Bank FDIC insured?

Yes. Cornhusker Bank is an FDIC-insured institution (FDIC certificate #14264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cornhusker 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 Cornhusker Bank ever failed?

There is no failure record for FDIC certificate #14264 in the FDIC failed bank list.

How many branches does Cornhusker Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lincoln

InstitutionScoreAssetsCapitalProblem loansCompare
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
Countryside BankBank Unadilla, NE90 out of 100, Very strong$118.5M15.2%0.35%vs
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
Nebraska State Employees Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$36.8M14.0%0.11%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs