Bank of Dixon County
Ponca, Nebraska · FDIC Cert #14912
Bank of Dixon County is an FDIC-insured bank (Certificate #14912) with $125M in total assets and $109M in total deposits as of the Q2 2024 Call Report. Headquartered in Ponca, Nebraska, the bank maintains a Tier 1 capital ratio of 19.09% (Well-Capitalized) and a nonperforming loan ratio of 3.54%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Dixon County (FDIC cert 14912) is a community bank — $125M in total assets, $109M in deposits, serving the Ponca, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 19.09% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.54% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 26.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.10% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of Dixon County carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Dixon County
- Total Assets
- $125M
- Total Deposits
- $109M
- Tier 1 Capital Ratio
- 19.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.54%
- Liquidity Ratio
- 26.65%
- Return on Assets
- 2.10%
- Headquarters
- Ponca, Nebraska
- FDIC Certificate
- #14912
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Dixon County holds a Tier 1 capital ratio of 19.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Dixon County has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Dixon County shows strong financial health indicators. With $125M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Dixon County Compares
Bank of Dixon County’s Health Score of 75 is 10 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 19.09% Tier 1 capital ratio is 5.1 points above the US banking industry average near 14%. The 3.54% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.10% is in line with or above the national ROA benchmark of ~1.1%. Among 1247 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Bank of Dixon County is 5 points above the portfolio average of 70.
Frequently Asked Questions
Bank of Dixon County has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 19.09%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Dixon County's Tier 1 capital ratio of 19.09% and nonperforming loan ratio of 3.54% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Dixon County is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14912). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Dixon County holds $125M in total assets and $109M in total deposits. It is headquartered in Ponca, Nebraska (FDIC Certificate #14912).
Bank of Dixon County has a Tier 1 capital ratio of 19.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.54%, and the return on assets is 2.10%.
Yes. Bank of Dixon County is FDIC-insured (Certificate #14912). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Dixon County's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.