Side-by-side · Q2 2026 data
Nebraska State Bank and Trust Company vs Flatwater Bank
Bank
Nebraska State Bank and Trust Company
Broken Bow, Nebraska · $100 million – $1 billion
Metric by metric
| Measure | Nebraska State Bank and Trust Company | Flatwater Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 56 |
| Capital cushion | 80 (stronger) | 44 |
| Loan quality | 100 (stronger) | 41 |
| Earnings | 97 (stronger) | 71 |
| Funding & liquidity | 66 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 71 |
| Peer percentile | 92nd | 13th |
| Total assets | $285.8M | $367.7M |
| Deposits / shares | $233.7M | $320.8M |
| Capital ratio | 12.96% (stronger) | 9.38% |
| Problem loans | 0.00% (stronger) | 1.76% |
| Net charge-offs | -0.03% (stronger) | 0.02% |
| Return on assets | 1.92% (stronger) | 1.27% |
| Loans ÷ deposits | 94.1% | 84.7% (stronger) |
| Uninsured deposits | 13.0% (stronger) | 18.5% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nebraska State Bank and Trust Company has the higher TellerScore (88 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Nebraska State Bank and Trust Company leads on 6 and Flatwater Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.