Headquartered in Oshkosh, Nebraska, Nebraska State Bank is a state-chartered bank with $74.1M in total assets and $61.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1921.
Nebraska State Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 46th. Capital cushion contributes the most (100/100, 18.08%); loan quality contributes the least (53/100, 1.40%).
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 rose 3 points (76 → 79), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 92 |
| Q4 2024 | 92 |
| Q1 2025 | 65 |
| Q2 2025 | 76 |
| Q3 2025 | 84 |
| Q4 2025 | 93 |
| Q1 2026 | 91 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.28% |
| Q3 2024 | 18.19% |
| Q4 2024 | 18.75% |
| Q1 2025 | 16.45% |
| Q2 2025 | 17.72% |
| Q3 2025 | 18.51% |
| Q4 2025 | 18.97% |
| Q1 2026 | 16.84% |
| Q2 2026 | 18.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.69% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 4.07% |
| Q2 2025 | 1.77% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.15% |
| Q2 2026 | 1.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.60% |
| Q3 2024 | 4.57% |
| Q4 2024 | 4.56% |
| Q1 2025 | 4.50% |
| Q2 2025 | 4.24% |
| Q3 2025 | 3.91% |
| Q4 2025 | 3.95% |
| Q1 2026 | 4.04% |
| Q2 2026 | 4.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $74.1M | 18.08% | 1.40% | 4.34% | 90.2% |
| Q1 2026 | 91 | $74.0M | 16.84% | 0.15% | 4.04% | 85.8% |
| Q4 2025 | 93 | $71.4M | 18.97% | 0.00% | 3.95% | 90.0% |
| Q3 2025 | 84 | $67.8M | 18.51% | 0.72% | 3.91% | 101.1% |
| Q2 2025 | 76 | $68.1M | 17.72% | 1.77% | 4.24% | 101.0% |
| Q1 2025 | 65 | $70.2M | 16.45% | 4.07% | 4.50% | 91.8% |
| Q4 2024 | 92 | $70.0M | 18.75% | 0.00% | 4.56% | 98.9% |
| Q3 2024 | 92 | $65.8M | 18.19% | 0.00% | 4.57% | 101.5% |
| Q2 2024 | 64 | $64.6M | 18.28% | 3.69% | 4.60% | 102.9% |
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 |
|---|---|---|---|---|---|
| Commercial State BankBank Republican City, NE | 97 out of 100, Very strong | $75.5M | 28.6% | 0.00% | vs |
| Battle Creek State BankBank Battle Creek, NE | 81 out of 100, Strong | $71.0M | 14.4% | 0.00% | vs |
| First Bank of UticaBank Utica, NE | 76 out of 100, Strong | $77.4M | 14.3% | 0.63% | vs |
| Genoa Community BankBank Genoa, NE | 85 out of 100, Very strong | $70.5M | 12.9% | 0.00% | vs |
| Adams State BankBank Adams, NE | 91 out of 100, Very strong | $70.2M | 16.6% | 0.09% | vs |
| First Tri County BankBank Swanton, NE | 72 out of 100, Strong | $78.5M | 9.1% | 0.04% | vs |
Deposit insurance
Is my money safe at Nebraska State Bank?
Yes. Nebraska State Bank is an FDIC-insured institution (FDIC certificate #9819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.6% of deposits ($15.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.08%, 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:
- Oshkosh, NE (1)
Identity & history
Profile
- Legal name
- Nebraska State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9819
- RSSD ID
- 911759
- Primary regulator
- FDIC
- Holding company
- O&f Cattle Co
- Established
- June 21, 1921
- Headquarters
- 218 Main St, Oshkosh, NE 69154
- Website
- www.fsa-loans.com
- Employees
- 7
Quick answers
Nebraska State Bank: common questions
Is Nebraska State Bank FDIC insured?
Yes. Nebraska State Bank is an FDIC-insured institution (FDIC certificate #9819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Nebraska State Bank's TellerScore?
79 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 Nebraska State Bank ever failed?
There is no failure record for FDIC certificate #9819 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 Oshkosh
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Points West Community BankBank Windsor, CO | 75 out of 100, Strong | $877.6M | 9.2% | 0.06% | vs |
| Legends West BankBank Lewellen, NE | 69 out of 100, Moderate | $157.8M | 11.5% | 0.35% | vs |