Nebraska Bank of Commerce is a state-chartered bank headquartered in Lincoln, Nebraska, in business for about 19 years. At the end of Q2 2026 it reported $241.2M in total assets and $204.9M in deposits, with 2 offices.
Based on its Q2 2026 filing, Nebraska Bank of Commerce scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 105th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is capital cushion (46/100; 9.56%).
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 (69 → 66), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 67 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.46% |
| Q3 2024 | 10.48% |
| Q4 2024 | 10.32% |
| Q1 2025 | 10.33% |
| Q2 2025 | 10.28% |
| Q3 2025 | 9.95% |
| Q4 2025 | 9.67% |
| Q1 2026 | 9.51% |
| Q2 2026 | 9.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.19% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.83% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $241.2M | 9.56% | 0.33% | 1.08% | 103.8% |
| Q1 2026 | 65 | $238.7M | 9.51% | 0.20% | 0.83% | 105.9% |
| Q4 2025 | 66 | $225.9M | 9.67% | 0.19% | 0.76% | 103.4% |
| Q3 2025 | 67 | $221.0M | 9.95% | 0.04% | 0.76% | 105.5% |
| Q2 2025 | 69 | $205.7M | 10.28% | 0.05% | 0.76% | 99.8% |
| Q1 2025 | 67 | $201.4M | 10.33% | 0.20% | 0.74% | 101.8% |
| Q4 2024 | 66 | $194.7M | 10.32% | 0.06% | 0.57% | 102.1% |
| Q3 2024 | 67 | $191.4M | 10.48% | 0.25% | 0.56% | 100.0% |
| Q2 2024 | 69 | $187.4M | 10.46% | 0.00% | 0.56% | 100.7% |
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).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Citizens Bank & Trust CompanyBank Saint Paul, NE | 54 out of 100, Below average | $242.3M | 11.4% | 2.42% | vs |
| State Nebraska Bank & TrustBank Wayne, NE | 61 out of 100, Moderate | $244.0M | 10.9% | 1.61% | vs |
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
| Auburn State BankBank Auburn, NE | 91 out of 100, Very strong | $251.3M | 15.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Nebraska Bank of Commerce?
Yes. Nebraska Bank of Commerce is an FDIC-insured institution (FDIC certificate #58724). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($32.9M) 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 9.56%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.12% (benchmark: 10%).
2 locations
Branches
Nebraska Bank of Commerce lists 2 offices in 1 city. Most locations:
- Lincoln, NE (2)
HMDA 2025
Mortgage lending
In 2025, Nebraska Bank of Commerce reported 136 home-loan applications under HMDA (LEI 254900WNJM89PTUDS223): 115 originated ($29,435,000 total), 2 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, 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
- Nebraska Bank of Commerce
- Former names
- Community Bank of Lincoln
- Type
- State-chartered bank
- FDIC certificate #
- 58724
- RSSD ID
- 3614846
- Primary regulator
- FDIC
- Holding company
- Nbc Bancshares Llc
- Established
- December 3, 2007
- Headquarters
- 6000 Village Dr, Lincoln, NE 68516
- Website
- www.thenbcbank.com
- Employees
- 27
Quick answers
Nebraska Bank of Commerce: common questions
Is Nebraska Bank of Commerce FDIC insured?
Yes. Nebraska Bank of Commerce is an FDIC-insured institution (FDIC certificate #58724). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Nebraska Bank of Commerce's TellerScore?
66 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 Nebraska Bank of Commerce ever failed?
There is no failure record for FDIC certificate #58724 in the FDIC failed bank list.
How many branches does Nebraska Bank of Commerce have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lincoln
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Adams State BankBank Adams, NE | 91 out of 100, Very strong | $70.2M | 16.6% | 0.09% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |