Sidney Fs&La
Sidney, Nebraska · FDIC Cert #29379
Sidney Fs&La is an FDIC-insured bank (Certificate #29379) with $14M in total assets and $13M in total deposits as of the Q2 2024 Call Report. Headquartered in Sidney, Nebraska, the bank maintains a Tier 1 capital ratio of 7.97% (Adequately Capitalized) and a nonperforming loan ratio of 0.98%. BankHealthData assigns a composite Health Grade of B (65/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Sidney Fs&La (FDIC cert 29379) is a community bank — $14M in total assets, $13M in deposits, serving the Sidney, 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 below the well-capitalized regulatory threshold: Tier 1 capital ratio of 7.97% is in territory that triggers heightened FDIC oversight and prompt-corrective-action requirements depending on the specific shortfall. Asset quality is normal: non-performing loan ratio of 0.98% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 38.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -2.39% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. 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. Sidney Fs&La carries a composite BankHealth grade of B (65/100) 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: Sidney Fs&La
- Total Assets
- $14M
- Total Deposits
- $13M
- Tier 1 Capital Ratio
- 7.97%
- Capital Status
- Adequately Capitalized
- Nonperforming Loans
- 0.98%
- Liquidity Ratio
- 38.51%
- Return on Assets
- -2.39%
- Headquarters
- Sidney, Nebraska
- FDIC Certificate
- #29379
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Sidney Fs&La holds a Tier 1 capital ratio of 7.97%. This meets the minimum 6% threshold for "adequately capitalized" but falls short of the 8% "well-capitalized" standard.
Key Financial Metrics
What This Means For Your Money
Sidney Fs&La shows strong financial health indicators. With $14M in assets and a Health Score of 65/100, 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 Sidney Fs&La Compares
Sidney Fs&La’s Health Score of 65 is 0 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 7.97% Tier 1 capital ratio is 6.0 points below the US banking industry average near 14%. The 0.98% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -2.39% is below the national ROA benchmark of ~1.1%. Among 76 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Sidney Fs&La is 5 points below the portfolio average of 70.
Frequently Asked Questions
Sidney Fs&La has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 7.97%, which is below 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. Sidney Fs&La's Tier 1 capital ratio of 7.97% and nonperforming loan ratio of 0.98% 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 Sidney Fs&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29379). 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.
Sidney Fs&La holds $14M in total assets and $13M in total deposits. It is headquartered in Sidney, Nebraska (FDIC Certificate #29379).
Sidney Fs&La has a Tier 1 capital ratio of 7.97%, classifying it as "Adequately Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.98%, and the return on assets is -2.39%.
Yes. Sidney Fs&La is FDIC-insured (Certificate #29379). 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%).
Sidney Fs&La'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.