Nebraska State Bank and Trust Company
Broken Bow, NE
IDRSSD: 412153
Total Assets
$281.20M
Latest filing
Total Deposits
$230.30M
Latest filing
Net Interest Margin
4.32%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Nebraska State Bank and Trust Company
945 S D St
Broken Bow, NE 68822
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/23/1917FDIC Certificate 5311
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Nebraska State Bank and Trust Company (Main) | 945 S D St | Broken Bow, NE |
| MERNA BRANCH | Center Avenue And Highway 92 | Merna, NE |
| CALLAWAY BRANCH | 108 N Grand Ave | Callaway, NE |
| BROKEN BOW EAST BRANCH | 538 E South E St | Broken Bow, NE |
Showing 3 of 3
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 | 02/23/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68822 |
| State and County Number | 31041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| 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 | 37 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.nesb.bank |
| Data Updated | 11/14/2025 |
| CERT | 8322 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $281.20M |
| Total Deposits | $230.30M |
| Total Liabilities | $248.94M |
| Total Equity Capital | $32.26M |
| Net Income | $929.00k |
| Net Loans and Leases | $223.28M |
| Assets Per Employee ($Millions) | $7.6M |
| Bank Premises and Fixed Assets | $3.35M |
| Cash and Balances due from Depository Institutions | $5.21M |
| Deposits Held in Domestic Offices | $230.30M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 11.69% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 59.43% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.43% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.474% |
| Earning Assets to total Assets | 95.25% |
Income and Expense
| Total Interest Income | $4.03M |
| Total Noninterest Income | $216.00k |
| Total Interest Expense | $1.17M |
| Total Noninterest Expense | $1.83M |
| Net Interest Income | $2.86M |
| Pre-tax Net Operating Income | $948.00k |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $17.60M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.04M |
| Total Liabilities and Capital | $281.20M |
Securities
| Securities | $43.58M |
| Available-for-sale debt securities | $43.58M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Nebraska State Bank and Trust Company?
$281.20M as of the latest filing.
How much are Nebraska State Bank and Trust Company's total deposits?
$230.30M in total deposits.
Where is Nebraska State Bank and Trust Company located?
Broken Bow, NE.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
4.
When was it established?
02/23/1917.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$223.28M (latest filing).
What is the total interest income (latest filing)?
$4.03M.