I3 Bank
Bennington, Nebraska · FDIC Cert #8595
I3 Bank is an FDIC-insured bank (Certificate #8595) with $200M in total assets and $171M in total deposits as of the Q2 2024 Call Report. Headquartered in Bennington, Nebraska, the bank maintains a Tier 1 capital ratio of 12.08% (Well-Capitalized) and a nonperforming loan ratio of 3.36%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
I3 Bank (FDIC cert 8595) is a community bank — $200M in total assets, $171M in deposits, serving the Bennington, 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 12.08% 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 3.36% 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 in the normal range: 24.2% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.68% 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 mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. I3 Bank carries a composite BankHealth grade of B (66/100) 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: I3 Bank
- Total Assets
- $200M
- Total Deposits
- $171M
- Tier 1 Capital Ratio
- 12.08%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.36%
- Liquidity Ratio
- 24.22%
- Return on Assets
- 2.68%
- Headquarters
- Bennington, Nebraska
- FDIC Certificate
- #8595
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, I3 Bank holds a Tier 1 capital ratio of 12.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning I3 Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
I3 Bank shows strong financial health indicators. With $200M in assets and a Health Score of 66/100, 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 I3 Bank Compares
I3 Bank’s Health Score of 66 is 1 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 12.08% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 3.36% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.68% is in line with or above the national ROA benchmark of ~1.1%. Among 1525 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, I3 Bank is 4 points below the portfolio average of 70.
Frequently Asked Questions
I3 Bank has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.08%, 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. I3 Bank's Tier 1 capital ratio of 12.08% and nonperforming loan ratio of 3.36% 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 I3 Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #8595). 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.
I3 Bank holds $200M in total assets and $171M in total deposits. It is headquartered in Bennington, Nebraska (FDIC Certificate #8595).
I3 Bank has a Tier 1 capital ratio of 12.08%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.36%, and the return on assets is 2.68%.
Yes. I3 Bank is FDIC-insured (Certificate #8595). 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%).
I3 Bank'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.