Henderson State Bank
Henderson, NE
IDRSSD: 97055
Total Assets
$635.43M
Latest filing
Total Deposits
$483.61M
Latest filing
Net Interest Margin
4.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104913530HENDERSON, NE
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Henderson State Bank
1040 N Main St
Henderson, NE 68371
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/13/1943FDIC Certificate 11256
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Henderson State Bank (Main) | 1040 N Main St | Henderson, NE |
| COMMUNITY FIRST BANK BRANCH | 122 S Commercial St | Maywood, NE |
| THE CULBERTSON BANK BRANCH | 318 Taylor St | Culbertson, NE |
| COMMUNITY FIRST BANK BRANCH | 306 Pine St | Big Springs, NE |
| HENDERSON STATE BANK | 627 N Lincoln Ave | York, NE |
| HENDERSON STATE BANK | 107 W Oneill Ave | Greeley, NE |
| GILTNER STATE BANK | 216 Tonya Dr | Giltner, NE |
| COMMUNITY FIRST BANK BRANCH | 324 Main St | Stapleton, NE |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/13/1943 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68371 |
| State and County Number | 31185 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 63 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/03/2025 |
| Date of Deposit Insurance | 06/17/1953 |
| Primary Insurance Agency | DIF |
| Website | www.hendersonstate.bank |
| Data Updated | 01/30/2026 |
| CERT | 17229 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $635.43M |
| Total Deposits | $483.61M |
| Total Liabilities | $570.36M |
| Total Equity Capital | $65.07M |
| Net Income | $2.42M |
| Net Loans and Leases | $508.78M |
| Assets Per Employee ($Millions) | $9.78M |
| Bank Premises and Fixed Assets | $6.26M |
| Cash and Balances due from Depository Institutions | $17.98M |
| Deposits Held in Domestic Offices | $483.61M |
Key Performance Ratios
| Return on Assets (ROA) | 1.57% |
| Return on Equity (ROE) | 15.95% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 45.67% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.24% |
| Earning Assets to total Assets | 94.03% |
Income and Expense
| Total Interest Income | $10.23M |
| Total Noninterest Income | $388.00k |
| Total Interest Expense | $4.30M |
| Total Noninterest Expense | $2.94M |
| Net Interest Income | $5.92M |
| Pre-tax Net Operating Income | $3.07M |
| Provision for Credit Losses | $301.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $85.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.75M |
| Total Liabilities and Capital | $635.43M |
Securities
| Securities | $79.88M |
| Available-for-sale debt securities | $79.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Henderson State Bank?
$635.43M as of the latest filing.
How much are Henderson State Bank's total deposits?
$483.61M in total deposits.
Where is Henderson State Bank located?
Henderson, NE.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
9.
When was it established?
10/13/1943.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$508.78M (latest filing).
What is the total interest income (latest filing)?
$10.23M.