Nebraska State Bank and Trust Company is a state-chartered bank headquartered in Broken Bow, Nebraska, in business for about 109 years. At the end of Q2 2026 it reported $285.8M in total assets and $233.7M in deposits, with 4 offices.
Nebraska State Bank and Trust Company has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 17th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (66/100, 94% loans-to-deposits, 13% uninsured).
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 4 points (84 → 88), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 81 |
| Q1 2025 | 82 |
| Q2 2025 | 84 |
| Q3 2025 | 83 |
| Q4 2025 | 86 |
| Q1 2026 | 86 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.85% |
| Q3 2024 | 11.86% |
| Q4 2024 | 11.73% |
| Q1 2025 | 11.92% |
| Q2 2025 | 12.32% |
| Q3 2025 | 12.35% |
| Q4 2025 | 12.69% |
| Q1 2026 | 12.78% |
| Q2 2026 | 12.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.15% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.70% |
| Q4 2024 | 1.70% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.75% |
| Q1 2026 | 1.71% |
| Q2 2026 | 1.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $285.8M | 12.96% | 0.00% | 1.92% | 94.1% |
| Q1 2026 | 86 | $280.6M | 12.78% | 0.00% | 1.71% | 93.6% |
| Q4 2025 | 86 | $285.5M | 12.69% | 0.00% | 1.75% | 92.9% |
| Q3 2025 | 83 | $281.2M | 12.35% | 0.00% | 1.65% | 97.0% |
| Q2 2025 | 84 | $275.3M | 12.32% | 0.12% | 1.81% | 96.9% |
| Q1 2025 | 82 | $279.5M | 11.92% | 0.01% | 1.70% | 102.3% |
| Q4 2024 | 81 | $297.5M | 11.73% | 0.01% | 1.70% | 102.3% |
| Q3 2024 | 82 | $279.8M | 11.86% | 0.02% | 1.70% | 97.4% |
| Q2 2024 | 82 | $279.4M | 11.85% | 0.15% | 1.79% | 97.5% |
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 |
|---|---|---|---|---|---|
| Columbus Bank and Trust CompanyBank Columbus, NE | 72 out of 100, Strong | $274.6M | 9.5% | 0.07% | vs |
| The Tri-County BankBank Stuart, NE | 72 out of 100, Strong | $299.3M | 8.4% | 0.01% | vs |
| Commercial State BankBank Wausa, NE | 76 out of 100, Strong | $264.4M | 9.6% | 0.12% | vs |
| Security BankBank Laurel, NE | 78 out of 100, Strong | $309.9M | 13.3% | 0.63% | vs |
| Western National BankBank Chester, NE | 74 out of 100, Strong | $257.4M | 9.1% | 0.02% | 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 State Bank and Trust Company?
Yes. Nebraska State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8322). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.0% of deposits ($30.4M) 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 12.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.60% (benchmark: 10%).
4 locations
Branches
Nebraska State Bank and Trust Company lists 4 offices in 3 cities. Most locations:
- Broken Bow, NE (2)
- Callaway, NE (1)
- Merna, NE (1)
Identity & history
Profile
- Legal name
- Nebraska State Bank and Trust Company
- Former names
- Nebraska State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8322
- RSSD ID
- 412153
- Primary regulator
- FDIC
- Holding company
- First Central Nebraska Co
- Established
- February 23, 1917
- Headquarters
- 945 S D St, Broken Bow, NE 68822
- Website
- www.nesb.bank
- Employees
- 38
Quick answers
Nebraska State Bank and Trust Company: common questions
Is Nebraska State Bank and Trust Company FDIC insured?
Yes. Nebraska State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #8322). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Nebraska State Bank and Trust Company's TellerScore?
88 out of 100 (Very 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 and Trust Company ever failed?
There is no failure record for FDIC certificate #8322 in the FDIC failed bank list.
How many branches does Nebraska State Bank and Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Broken Bow
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in OrdBank Ord, NE | 88 out of 100, Very strong | $165.6M | 11.4% | 0.00% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Custer Federal State BankBank Broken Bow, NE | 80 out of 100, Strong | $120.7M | 12.0% | 0.00% | vs |
| Bruning BankBank Bruning, NE | 74 out of 100, Strong | $659.9M | 10.0% | 0.00% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |
| Flatwater BankBank Gothenburg, NE | 56 out of 100, Moderate | $367.7M | 9.4% | 1.76% | vs |