Side-by-side · Q2 2026 data
Nebraska State Bank and Trust Company vs Heritage 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 | Heritage Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 86 |
| Capital cushion | 80 | 100 (stronger) |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 66 | 74 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 92nd | 90th |
| Total assets | $285.8M | $611.6M |
| Deposits / shares | $233.7M | $420.5M |
| Capital ratio | 12.96% | 23.01% (stronger) |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 1.92% | 2.58% (stronger) |
| Loans ÷ deposits | 94.1% | 70.5% (stronger) |
| Uninsured deposits | 13.0% (stronger) | 29.0% |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nebraska State Bank and Trust Company has the higher TellerScore (88 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Nebraska State Bank and Trust Company leads on 4 and Heritage Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Broken Bow, NE