TellerScore

Henderson State Bank (FDIC certificate #17229) is based in Henderson, Nebraska. Its Q2 2026 call report shows $678.5M in total assets and $510.7M in deposits and 12 offices.

Henderson State Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 80th. Problem-loan coverage contributes the most (95/100, 2.4%); funding & liquidity contributes the least (45/100, 109% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.41%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 109.4% · 20.2% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.42%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).

TellerScore
717476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202475
Q4 202475
Q1 202575
Q2 202571
Q3 202571
Q4 202574
Q1 202674
Q2 202672
Tier 1 leverage ratio
5.00%8.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.13%
Q3 202410.67%
Q4 202410.65%
Q1 202510.30%
Q2 202510.59%
Q3 20259.95%
Q4 202510.55%
Q1 202610.57%
Q2 202610.41%
Noncurrent loans
0.00%0.28%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.01%
Q2 20250.55%
Q3 20250.30%
Q4 20250.20%
Q1 20260.16%
Q2 20260.27%
Return on assets
1.35%1.51%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.49%
Q3 20241.42%
Q4 20241.35%
Q1 20251.50%
Q2 20251.60%
Q3 20251.67%
Q4 20251.64%
Q1 20261.58%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$678.5M10.41%0.27%1.58%109.4%
Q1 202674$634.6M10.57%0.16%1.58%107.6%
Q4 202574$635.4M10.55%0.20%1.64%105.2%
Q3 202571$603.1M9.95%0.30%1.67%110.2%
Q2 202571$548.7M10.59%0.55%1.60%103.0%
Q1 202575$502.1M10.30%0.01%1.50%96.3%
Q4 202475$477.4M10.65%0.00%1.35%97.0%
Q3 202475$384.8M10.67%0.00%1.42%98.5%
Q2 202476$364.6M11.13%0.00%1.49%105.0%

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 ratio10.41%
39th
Total risk-based capital0.00%
24th
Problem loans0.27%
59th
Net charge-offs0.00%
68th
Return on assets1.58%
70th
Net interest margin4.01%
54th
Efficiency ratio44.3%
92nd
Loans to deposits109.4%
3rd
Uninsured deposits20.2%
64th
Loan-loss reserves0.75%
9th
Texas ratio2.4%
53rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Washington County BankBank Blair, NE83 out of 100, Strong$662.3M12.8%0.34%vs
Bruning BankBank Bruning, NE74 out of 100, Strong$659.9M10.0%0.00%vs
Arbor BankBank Nebraska City, NE57 out of 100, Moderate$701.7M8.7%1.03%vs
Citizens State BankBank Wisner, NE72 out of 100, Strong$653.0M10.1%0.20%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs

Deposit insurance

Is my money safe at Henderson State Bank?

Yes. Henderson State Bank is an FDIC-insured institution (FDIC certificate #17229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.2% of deposits ($103.0M) 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 10.41%, 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

12 locations

Branches

Henderson State Bank lists 12 offices in 12 cities. Most locations:

  • Big Springs, NE (1)
  • Culbertson, NE (1)
  • Giltner, NE (1)
  • Greeley, NE (1)
  • Henderson, NE (1)
  • Maywood, NE (1)
  • Mccook, NE (1)
  • North Platte, NE (1)
  • Omaha, NE (1)
  • Stapleton, NE (1)
  • Trenton, NE (1)
  • York, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
Henderson State Bank
Type
State-chartered bank
FDIC certificate #
17229
RSSD ID
97055
Primary regulator
FDIC
Holding company
Henderson State Co
Established
October 13, 1943
Headquarters
1040 N Main St, Henderson, NE 68371
Employees
72

Quick answers

Henderson State Bank: common questions

Is Henderson State Bank FDIC insured?

Yes. Henderson State Bank is an FDIC-insured institution (FDIC certificate #17229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Henderson State Bank's TellerScore?

72 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 Henderson State Bank ever failed?

There is no failure record for FDIC certificate #17229 in the FDIC failed bank list.

How many branches does Henderson State Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Henderson

InstitutionScoreAssetsCapitalProblem loansCompare
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
First State BankBank Hordville, NE77 out of 100, Strong$46.8M12.2%0.00%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs
Waypoint BankBank Cozad, NE75 out of 100, Strong$391.5M10.9%0.59%vs