TellerScore

Headquartered in Hebron, Nebraska, Thayer County Bank is a state-chartered bank with $88.5M in total assets and $66.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1874.

Based on its Q2 2026 filing, Thayer County Bank scores 81/100, which we describe as strong. That is higher than 68% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 39th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is earnings (61/100; 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 13.02%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings61/100
Return on assets (annualized): 1.04%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 76.0% · 16.3% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.58%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 81).

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202479
Q4 202483
Q1 202579
Q2 202581
Q3 202582
Q4 202583
Q1 202683
Q2 202681
Tier 1 leverage ratio
5.00%9.16%13.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.46%
Q3 202412.86%
Q4 202413.04%
Q1 202512.99%
Q2 202512.63%
Q3 202513.21%
Q4 202513.21%
Q1 202613.32%
Q2 202613.02%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.09%
Q4 20240.00%
Q1 20250.29%
Q2 20250.11%
Q3 20250.16%
Q4 20250.00%
Q1 20260.01%
Q2 20260.32%
Return on assets
0.46%0.75%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.72%
Q4 20241.00%
Q1 20250.78%
Q2 20250.96%
Q3 20251.01%
Q4 20250.92%
Q1 20260.85%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$88.5M13.02%0.32%1.04%76.0%
Q1 202683$84.5M13.32%0.01%0.85%79.4%
Q4 202583$89.5M13.21%0.00%0.92%75.5%
Q3 202582$83.9M13.21%0.16%1.01%78.3%
Q2 202581$84.7M12.63%0.11%0.96%75.0%
Q1 202579$84.3M12.99%0.29%0.78%76.5%
Q4 202483$81.7M13.04%0.00%1.00%81.3%
Q3 202479$80.8M12.86%0.09%0.72%83.6%
Q2 202476$79.8M12.46%0.13%0.46%82.5%

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).

Capital ratio13.02%
53rd
Total risk-based capital0.00%
27th
Problem loans0.32%
53rd
Net charge-offs-0.25%
97th
Return on assets1.04%
52nd
Net interest margin3.80%
46th
Efficiency ratio69.8%
52nd
Loans to deposits76.0%
36th
Uninsured deposits16.3%
49th
Loan-loss reserves1.35%
61st
Texas ratio1.6%
53rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Siouxland BankBank South Sioux City, NE88 out of 100, Very strong$88.3M12.4%0.00%vs
Chambers State BankBank Chambers, NE91 out of 100, Very strong$89.2M24.7%0.39%vs
Bank of ElginBank Elgin, NE92 out of 100, Very strong$87.3M13.5%0.00%vs
Scribner BankBank Scribner, NE96 out of 100, Very strong$86.9M16.6%0.04%vs
First Bank and Trust CompanyBank Minden, NE78 out of 100, Strong$91.2M10.5%0.00%vs
Clarkson BankBank Clarkson, NE82 out of 100, Strong$81.4M11.0%0.19%vs

Deposit insurance

Is my money safe at Thayer County Bank?

Yes. Thayer County Bank is an FDIC-insured institution (FDIC certificate #11475). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($10.8M) 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 13.02%, 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%).

Check how much of your own balance is covered

2 locations

Branches

Thayer County Bank lists 1 office in 1 city. Most locations:

  • Hebron, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
Thayer County Bank
Type
State-chartered bank
FDIC certificate #
11475
RSSD ID
157155
Primary regulator
FDIC
Holding company
Thayer Agency Inc
Established
July 1, 1874
Headquarters
402 Lincoln Ave, Hebron, NE 68370
Employees
11

Quick answers

Thayer County Bank: common questions

Is Thayer County Bank FDIC insured?

Yes. Thayer County Bank is an FDIC-insured institution (FDIC certificate #11475). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Thayer County Bank's TellerScore?

81 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 Thayer County Bank ever failed?

There is no failure record for FDIC certificate #11475 in the FDIC failed bank list.

How many branches does Thayer County Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hebron

InstitutionScoreAssetsCapitalProblem loansCompare
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Citizens State BankBank Carleton, NE78 out of 100, Strong$35.6M11.4%0.00%vs
Bruning BankBank Bruning, NE74 out of 100, Strong$659.9M10.0%0.00%vs
Western National BankBank Chester, NE74 out of 100, Strong$257.4M9.1%0.02%vs
First State Bank NebraskaBank Lincoln, NE71 out of 100, Strong$1.1B9.0%0.24%vs
Midwest BankBank Pierce, NE64 out of 100, Moderate$1.2B9.4%0.44%vs