Nebraska State Bank is a state-chartered bank headquartered in Lynch, Nebraska, in business for about 80 years. At the end of Q2 2026 it reported $25.4M in total assets and $22.3M in deposits, with 1 office.
Nebraska State Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 134th. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 15% uninsured); loan quality contributes the least (0/100, 3.18%).
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 13 points (63 → 50), mostly because the capital cushion component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 95 |
| Q3 2024 | 97 |
| Q4 2024 | 92 |
| Q1 2025 | 90 |
| Q2 2025 | 63 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 56 |
| Q2 2026 | 50 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.60% |
| Q3 2024 | 15.04% |
| Q4 2024 | 15.27% |
| Q1 2025 | 15.27% |
| Q2 2025 | 14.58% |
| Q3 2025 | 14.27% |
| Q4 2025 | 14.10% |
| Q1 2026 | 13.05% |
| Q2 2026 | 11.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 4.01% |
| Q3 2025 | 4.39% |
| Q4 2025 | 3.95% |
| Q1 2026 | 3.95% |
| Q2 2026 | 3.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $25.4M | 11.32% | 3.18% | 0.60% | 56.0% |
| Q1 2026 | 56 | $24.9M | 13.05% | 3.95% | 0.68% | 45.3% |
| Q4 2025 | 58 | $20.9M | 14.10% | 3.95% | 0.46% | 41.5% |
| Q3 2025 | 58 | $20.5M | 14.27% | 4.39% | 0.42% | 39.8% |
| Q2 2025 | 63 | $20.1M | 14.58% | 4.01% | 0.82% | 41.4% |
| Q1 2025 | 90 | $19.5M | 15.27% | 0.00% | 0.77% | 46.0% |
| Q4 2024 | 92 | $18.1M | 15.27% | 0.01% | 1.01% | 53.8% |
| Q3 2024 | 97 | $18.6M | 15.04% | 0.00% | 1.60% | 54.7% |
| Q2 2024 | 95 | $19.3M | 14.60% | 0.02% | 1.53% | 52.9% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Boelus State BankBank Boelus, NE | 95 out of 100, Very strong | $24.4M | 15.0% | 0.00% | vs |
| The Bank of SteinauerBank Steinauer, NE | 69 out of 100, Moderate | $19.0M | 7.9% | 0.00% | vs |
| Citizens State BankBank Carleton, NE | 78 out of 100, Strong | $35.6M | 11.4% | 0.00% | vs |
| Nebraska State BankBank Bristow, NE | 55 out of 100, Moderate | $36.6M | 13.4% | 2.26% | vs |
| Bank of MeadBank Mead, NE | 76 out of 100, Strong | $39.7M | 10.1% | 0.00% | vs |
| Corn Growers State BankBank Murdock, NE | 54 out of 100, Below average | $40.3M | 8.0% | 0.87% | vs |
Deposit insurance
Is my money safe at Nebraska State Bank?
Yes. Nebraska State Bank is an FDIC-insured institution (FDIC certificate #16516). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.7% of deposits ($3.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.32%, 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%).
1 location
Branches
Nebraska State Bank lists 1 office in 1 city. Most locations:
- Lynch, NE (1)
Identity & history
Profile
- Legal name
- Nebraska State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16516
- RSSD ID
- 514057
- Primary regulator
- FDIC
- Established
- December 9, 1946
- Headquarters
- 202 N Fourth St, Lynch, NE 68746
- Employees
- 5
Quick answers
Nebraska State Bank: common questions
Is Nebraska State Bank FDIC insured?
Yes. Nebraska State Bank is an FDIC-insured institution (FDIC certificate #16516). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Nebraska State Bank's TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Nebraska State Bank ever failed?
There is no failure record for FDIC certificate #16516 in the FDIC failed bank list.
How many branches does Nebraska State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lynch
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |
| Nebraska BankBank Dodge, NE | 73 out of 100, Strong | $551.6M | 11.4% | 0.43% | vs |
| The Tri-County BankBank Stuart, NE | 72 out of 100, Strong | $299.3M | 8.4% | 0.01% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| Commercial State Bank, of WagnerBank Wagner, SD | 66 out of 100, Moderate | $260.4M | 11.8% | 2.29% | vs |
| Nebraska State BankBank Bristow, NE | 55 out of 100, Moderate | $36.6M | 13.4% | 2.26% | vs |