TellerScore

I3 Bank (FDIC certificate #8595) is based in Bennington, Nebraska. Its Q2 2026 call report shows $225.5M in total assets and $195.8M in deposits and 5 offices.

I3 Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 113th. Problem-loan coverage contributes the most (95/100, 2.7%); capital cushion contributes the least (38/100, 8.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.80%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.33%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 86.2% · 29.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.74%

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 21 points (42 → 63), mostly because the loan quality component improved by 71 points.

TellerScore
425363Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202444
Q4 202442
Q1 202542
Q2 202542
Q3 202548
Q4 202549
Q1 202648
Q2 202663
Tier 1 leverage ratio
5.00%7.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.52%
Q3 20249.83%
Q4 202410.08%
Q1 20259.75%
Q2 20259.80%
Q3 20259.63%
Q4 20259.45%
Q1 20269.11%
Q2 20268.80%
Noncurrent loans
0.33%1.84%3.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.36%
Q3 20243.18%
Q4 20242.94%
Q1 20252.43%
Q2 20252.47%
Q3 20251.60%
Q4 20251.54%
Q1 20262.08%
Q2 20260.33%
Return on assets
0.46%1.31%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.16%
Q3 20241.49%
Q4 20241.06%
Q1 20250.46%
Q2 20250.53%
Q3 20250.47%
Q4 20250.60%
Q1 20260.99%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$225.5M8.80%0.33%0.92%86.2%
Q1 202648$226.2M9.11%2.08%0.99%88.5%
Q4 202549$218.1M9.45%1.54%0.60%98.4%
Q3 202548$215.3M9.63%1.60%0.47%90.5%
Q2 202542$204.8M9.80%2.47%0.53%80.0%
Q1 202542$203.1M9.75%2.43%0.46%79.8%
Q4 202442$201.4M10.08%2.94%1.06%84.4%
Q3 202444$197.7M9.83%3.18%1.49%80.3%
Q2 202450$200.4M10.52%3.36%2.16%81.6%

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 ratio8.80%
9th
Total risk-based capital11.76%
51st
Problem loans0.33%
55th
Net charge-offs0.72%
3rd
Return on assets0.92%
30th
Net interest margin4.89%
90th
Efficiency ratio67.6%
35th
Loans to deposits86.2%
35th
Uninsured deposits29.0%
32nd
Loan-loss reserves1.40%
72nd
Texas ratio2.7%
50th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country BankBank Ravenna, NE92 out of 100, Very strong$228.9M14.1%0.00%vs
First State BankBank Loomis, NE84 out of 100, Strong$232.5M11.8%0.01%vs
Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE77 out of 100, Strong$232.9M9.5%0.07%vs
Farmers and Merchants BankBank Milligan, NE78 out of 100, Strong$215.4M11.1%0.19%vs
Adams County BankBank Kenesaw, NE83 out of 100, Strong$241.1M11.8%0.00%vs
Nebraska Bank of CommerceBank Lincoln, NE66 out of 100, Moderate$241.2M9.6%0.33%vs

Deposit insurance

Is my money safe at I3 Bank?

Yes. I3 Bank is an FDIC-insured institution (FDIC certificate #8595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.0% of deposits ($56.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.76% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

I3 Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, I3 Bank reported 64 home-loan applications under HMDA (LEI 2549004G86NS7ZIP2L97): 59 originated ($22,555,000 total), 0 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
I3 Bank
Former names
Bank of Bennington
Type
State-chartered bank (Fed member)
FDIC certificate #
8595
RSSD ID
348159
Primary regulator
FED
Holding company
Bbig Holdings Llc
Established
January 28, 1928
Headquarters
12212 N 156th St, Bennington, NE 68007
Employees
40

Quick answers

I3 Bank: common questions

Is I3 Bank FDIC insured?

Yes. I3 Bank is an FDIC-insured institution (FDIC certificate #8595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is I3 Bank's TellerScore?

63 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 I3 Bank ever failed?

There is no failure record for FDIC certificate #8595 in the FDIC failed bank list.

How many branches does I3 Bank have?

5 offices as of the latest FDIC data.

Nearby

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