Sidney Fs&La
Sidney, Nebraska · FDIC Cert #29379
This is the FDIC profile for Sidney Fs&La, an FDIC-insured bank (Certificate #29379) with $14M in total assets and $13M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
Sidney Fs&La files quarterly Call Reports with the FDIC under Certificate #29379. 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, 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 14 points below the Nebraska state average of 79 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 87, meaning this bank ranks below its size cohort. Site-wide, Sidney Fs&La is 15 points below the portfolio average of 80.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #29379 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.