Potter State Bank of Potter
Potter, Nebraska · FDIC Cert #17205
This is the FDIC profile for Potter State Bank of Potter, an FDIC-insured bank (Certificate #17205) with $49M in total assets and $42M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Potter, Nebraska, the bank maintains a Tier 1 capital ratio of 16.63% (Well-Capitalized) and a nonperforming loan ratio of 2.43%. BankHealthData assigns a composite Health Grade of A (83/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Potter State Bank of Potter (FDIC cert 17205) is a community bank — $49M in total assets, $42M in deposits, serving the Potter, 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 16.63% 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 2.43% 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 very high: 50.2% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.28% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. 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. Potter State Bank of Potter carries a composite BankHealth grade of A (83/100) 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: Potter State Bank of Potter
- Total Assets
- $49M
- Total Deposits
- $42M
- Tier 1 Capital Ratio
- 16.63%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.43%
- Liquidity Ratio
- 50.15%
- Return on Assets
- 1.28%
- Headquarters
- Potter, Nebraska
- FDIC Certificate
- #17205
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Potter State Bank of Potter files quarterly Call Reports with the FDIC under Certificate #17205. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Potter State Bank of Potter holds a Tier 1 capital ratio of 16.63%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Potter State Bank of Potter has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Potter State Bank of Potter shows strong financial health indicators. With $49M in assets and a Health Score of 83/100, 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 Potter State Bank of Potter Compares
Potter State Bank of Potter’s Health Score of 83 is 4 points above the Nebraska state average of 79 across 120 FDIC-insured banks. Its 16.63% Tier 1 capital ratio is 2.6 points above the US banking industry average near 14%. The 2.43% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.28% is in line with or above the national ROA benchmark of ~1.1%. Among 553 similarly-sized banks, the average Health Score is 83, meaning this bank ranks above its size cohort. Site-wide, Potter State Bank of Potter is 3 points above the portfolio average of 80.
Frequently Asked Questions
Potter State Bank of Potter has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 16.63%, 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. Potter State Bank of Potter's Tier 1 capital ratio of 16.63% and nonperforming loan ratio of 2.43% 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 Potter State Bank of Potter is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17205). 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.
Potter State Bank of Potter holds $49M in total assets and $42M in total deposits. It is headquartered in Potter, Nebraska (FDIC Certificate #17205).
Potter State Bank of Potter's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #17205 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Potter State Bank of Potter has a Tier 1 capital ratio of 16.63%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.43%, and the return on assets is 1.28%.
Yes. Potter State Bank of Potter is FDIC-insured (Certificate #17205). 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Potter State Bank of Potter'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.