Headquartered in Wayne, Nebraska, State Nebraska Bank & Trust is a state-chartered bank with $244.0M in total assets and $203.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1892.
Based on its Q2 2026 filing, State Nebraska Bank & Trust scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 116th. Its strongest component is problem-loan coverage (80/100; 9.9%), and its lowest is loan quality (46/100; 1.61%).
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 (57 → 61), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 47 |
| Q3 2024 | 51 |
| Q4 2024 | 56 |
| Q1 2025 | 55 |
| Q2 2025 | 57 |
| Q3 2025 | 59 |
| Q4 2025 | 58 |
| Q1 2026 | 63 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.66% |
| Q3 2024 | 9.84% |
| Q4 2024 | 9.90% |
| Q1 2025 | 10.05% |
| Q2 2025 | 9.94% |
| Q3 2025 | 9.97% |
| Q4 2025 | 10.20% |
| Q1 2026 | 10.53% |
| Q2 2026 | 10.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.05% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.56% |
| Q2 2025 | 1.32% |
| Q3 2025 | 1.27% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.83% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $244.0M | 10.89% | 1.61% | 1.20% | 79.2% |
| Q1 2026 | 63 | $249.4M | 10.53% | 1.28% | 1.28% | 83.5% |
| Q4 2025 | 58 | $250.0M | 10.20% | 1.31% | 0.83% | 80.9% |
| Q3 2025 | 59 | $254.9M | 9.97% | 1.27% | 0.85% | 80.0% |
| Q2 2025 | 57 | $252.6M | 9.94% | 1.32% | 0.75% | 80.9% |
| Q1 2025 | 55 | $248.9M | 10.05% | 1.56% | 0.57% | 76.2% |
| Q4 2024 | 56 | $248.4M | 9.90% | 1.39% | 0.57% | 75.5% |
| Q3 2024 | 51 | $247.7M | 9.84% | 1.86% | 0.52% | 71.6% |
| Q2 2024 | 47 | $245.1M | 9.66% | 2.05% | 0.39% | 70.8% |
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 |
|---|---|---|---|---|---|
| Citizens Bank & Trust CompanyBank Saint Paul, NE | 54 out of 100, Below average | $242.3M | 11.4% | 2.42% | vs |
| Nebraska Bank of CommerceBank Lincoln, NE | 66 out of 100, Moderate | $241.2M | 9.6% | 0.33% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Auburn State BankBank Auburn, NE | 91 out of 100, Very strong | $251.3M | 15.1% | 0.00% | 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 |
Deposit insurance
Is my money safe at State Nebraska Bank & Trust?
Yes. State Nebraska Bank & Trust is an FDIC-insured institution (FDIC certificate #5490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.9% of deposits ($54.9M) 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 10.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.95% (benchmark: 10%).
2 locations
Branches
State Nebraska Bank & Trust lists 1 office in 1 city. Most locations:
- Wayne, NE (1)
Identity & history
Profile
- Legal name
- State Nebraska Bank & Trust
- Former names
- The State National Bank of Wayne; The State National Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 5490
- RSSD ID
- 581358
- Primary regulator
- FDIC
- Holding company
- State National Bancshares Inc
- Established
- January 1, 1892
- Headquarters
- 122 Main St, Wayne, NE 68787
- Website
- www.statenebank.com
- Employees
- 27
Quick answers
State Nebraska Bank & Trust: common questions
Is State Nebraska Bank & Trust FDIC insured?
Yes. State Nebraska Bank & Trust is an FDIC-insured institution (FDIC certificate #5490). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Nebraska Bank & Trust's TellerScore?
61 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 State Nebraska Bank & Trust ever failed?
There is no failure record for FDIC certificate #5490 in the FDIC failed bank list.
How many branches does State Nebraska Bank & Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wayne
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| Madison County BankBank Madison, NE | 85 out of 100, Very strong | $613.2M | 15.1% | 0.37% | vs |
| F&M BankBank West Point, NE | 83 out of 100, Strong | $354.6M | 11.8% | 0.07% | vs |
| Security BankBank Laurel, NE | 78 out of 100, Strong | $309.9M | 13.3% | 0.63% | vs |
| First Nebraska BankBank Valley, NE | 75 out of 100, Strong | $371.4M | 10.3% | 0.23% | vs |