Updated April 2026 · FDIC Call Report Q2 2024
Banks in Elkhorn, Nebraska
2 FDIC-insured banks call Elkhorn home, with $350M in combined assets. The local cohort posts an average Bank Health Score of 42/100 against a Tier 1 capital ratio of 0.00% and an NPL ratio of 1.93%.
Elkhorn, Nebraska hosts 2 FDIC-insured banks headquartered locally, with an average BankHealth composite score of 42/100. The largest local bank by assets is American Interstate Bank. City-level banking concentration reflects historical headquarters geography. Many U.S. cities host community banks chartered specifically for local commercial-lending needs, alongside branch operations of national banks that don't appear in the headquartered-here count.
For local depositors, the BankHealth grade is most useful as a triage signal across the locally-headquartered options. Branch-only banks (headquartered elsewhere) appear on the per-bank pages of their parent institution rather than on this city page.
Elkhorn's Banking Market
Elkhorn hosts 2 FDIC-insured banks — a smaller cluster, which usually indicates a community-banking-centric local market. With this few institutions, depositors should pay closer attention to each bank's individual financials rather than relying on cohort averages.
Banks in Elkhorn post an average Bank Health Score of 42/100, below the U.S. average. Only 0% earn A grades, while 50% are at D or F. Local depositors should review individual bank pages carefully and confirm FDIC insurance coverage at FDIC.gov before making decisions.
Capital cushions in Elkhorn are tighter than the national average: the cohort posts a 0.00% Tier 1 capital ratio, just above the 8% regulatory floor for "well-capitalized." This isn't alarm-bell territory, but it leaves less margin for credit losses than at higher-capitalized peer markets.
Elkhorn Banking Snapshot
| Banks headquartered or chartered locally | 2 |
| Combined assets | $350M |
| Average Bank Health Score | 42/100 |
| Average Tier 1 capital ratio | 0.00% |
| Average NPL ratio | 1.93% |
| Average liquidity ratio | 26.30% |
| Grade distribution (A · B · C · D · F) | 0 · 1 · 0 · 0 · 1 |
All Banks in Elkhorn
| # | Bank | Grade | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | American Interstate Bank | B | 65 | $140M | 0.00% | 0.00% | 39.23% |
| 2 | United Republic Bank | F | 19 | $210M | 0.00% | 3.86% | 13.37% |
For Elkhorn Depositors
FDIC insurance protects deposits at every bank on this list up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of where the bank is located or how it scores on this page. The Bank Health Score is a relative ranking of regulatory cushion, not a guarantee of safety. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making decisions.
For depositors who hold combined balances above $250,000 across multiple accounts at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement — affects coverage. Federal regulators publishing rules at the OCC and the FDIC update guidance periodically; FDIC.gov is the authoritative source.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F letter grade. Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
How many banks are in Elkhorn?
2 FDIC-insured banks are chartered or headquartered in Elkhorn, Nebraska, holding $350M in combined assets. Elkhorn hosts 2 FDIC-insured banks — a smaller cluster, which usually indicates a community-banking-centric local market. With this few institutions, depositors should pay closer attention to each bank's individual financials rather than relying on cohort averages.
What is the average bank health score in Elkhorn?
Banks in Elkhorn post an average Bank Health Score of 42/100, below the U.S. average. Only 0% earn A grades, while 50% are at D or F. Local depositors should review individual bank pages carefully and confirm FDIC insurance coverage at FDIC.gov before making decisions. The local cohort averages a Tier 1 capital ratio of 0.00% and an NPL ratio of 1.93%.
Are banks in Elkhorn riskier than the national average?
Capital cushions in Elkhorn are tighter than the national average: the cohort posts a 0.00% Tier 1 capital ratio, just above the 8% regulatory floor for "well-capitalized." This isn't alarm-bell territory, but it leaves less margin for credit losses than at higher-capitalized peer markets.
Are deposits at Elkhorn banks FDIC-insured?
Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Insurance is identical regardless of bank size or location. Verify your specific coverage at FDIC.gov, particularly if you hold balances above the $250,000 limit.
Where does this data come from?
All bank financials on this page are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula (Tier 1 capital 35%, NPL ratio 30%, liquidity 25%, ROA 10%). All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-04-06 · Data covers 2 Elkhorn banks. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.