Dayspring Bank is a state-chartered bank headquartered in Gothenburg, Nebraska, in business for about 120 years. At the end of Q2 2026 it reported $1.2B in total assets and $927.6M in deposits, with 8 offices.
Based on its Q2 2026 filing, Dayspring Bank scores 58/100, which we describe as moderate. That is higher than only 17% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 120th. Its strongest component is problem-loan coverage (77/100; 11.4%), and its lowest is loan quality (42/100; 1.73%).
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 fell 3 points (61 → 58), mostly because the loan quality component weakened by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 61 |
| Q4 2024 | 57 |
| Q1 2025 | 56 |
| Q2 2025 | 61 |
| Q3 2025 | 59 |
| Q4 2025 | 56 |
| Q1 2026 | 57 |
| Q2 2026 | 58 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.31% |
| Q3 2024 | 10.19% |
| Q4 2024 | 10.04% |
| Q1 2025 | 10.35% |
| Q2 2025 | 10.26% |
| Q3 2025 | 10.40% |
| Q4 2025 | 10.49% |
| Q1 2026 | 10.52% |
| Q2 2026 | 10.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.22% |
| Q4 2024 | 1.55% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.37% |
| Q4 2025 | 1.76% |
| Q1 2026 | 1.78% |
| Q2 2026 | 1.73% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.87% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $1.2B | 10.71% | 1.73% | 1.06% | 92.1% |
| Q1 2026 | 57 | $1.2B | 10.52% | 1.78% | 1.00% | 89.0% |
| Q4 2025 | 56 | $1.2B | 10.49% | 1.76% | 0.87% | 86.8% |
| Q3 2025 | 59 | $1.1B | 10.40% | 1.37% | 0.76% | 86.1% |
| Q2 2025 | 61 | $1.2B | 10.26% | 1.02% | 0.71% | 85.2% |
| Q1 2025 | 56 | $1.1B | 10.35% | 1.67% | 0.66% | 84.0% |
| Q4 2024 | 57 | $1.1B | 10.04% | 1.55% | 0.75% | 81.6% |
| Q3 2024 | 61 | $1.1B | 10.19% | 1.22% | 0.87% | 87.6% |
| Q2 2024 | 57 | $1.1B | 10.31% | 1.43% | 0.70% | 93.7% |
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).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest BankBank Pierce, NE | 64 out of 100, Moderate | $1.2B | 9.4% | 0.44% | vs |
| Platte Valley BankBank Scottsbluff, NE | 66 out of 100, Moderate | $1.2B | 9.5% | 0.57% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| First State Bank NebraskaBank Lincoln, NE | 71 out of 100, Strong | $1.1B | 9.0% | 0.24% | vs |
| Access BankBank Omaha, NE | 65 out of 100, Moderate | $1.1B | 10.7% | 0.51% | vs |
Deposit insurance
Is my money safe at Dayspring Bank?
Yes. Dayspring Bank is an FDIC-insured institution (FDIC certificate #13622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.3% of deposits ($132.9M) 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 10.71%, 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%).
8 locations
Branches
Dayspring Bank lists 6 offices in 6 cities. Most locations:
- Gothenburg, NE (1)
- Mullen, NE (1)
- North Platte, NE (1)
- Papillion, NE (1)
- Ralston, NE (1)
- Wallace, NE (1)
HMDA 2025
Mortgage lending
In 2025, Dayspring Bank reported 365 home-loan applications under HMDA (LEI 549300OYN1WD4APNOU82): 305 originated ($83,795,000 total), 19 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, 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
- Dayspring Bank
- Former names
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13622
- RSSD ID
- 151957
- Primary regulator
- FDIC
- Holding company
- Nebraska Bankshares Inc
- Established
- January 1, 1906
- Headquarters
- 914 Lake Ave, Gothenburg, NE 69138
- Website
- dayspring.bank
- Employees
- 121
Quick answers
Dayspring Bank: common questions
Is Dayspring Bank FDIC insured?
Yes. Dayspring Bank is an FDIC-insured institution (FDIC certificate #13622). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Dayspring Bank's TellerScore?
58 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 Dayspring Bank ever failed?
There is no failure record for FDIC certificate #13622 in the FDIC failed bank list.
How many branches does Dayspring Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Gothenburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| Waypoint BankBank Cozad, NE | 75 out of 100, Strong | $391.5M | 10.9% | 0.59% | vs |
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |
| Flatwater BankBank Gothenburg, NE | 56 out of 100, Moderate | $367.7M | 9.4% | 1.76% | vs |