Safest Banks in Nebraska 2026
Nebraska has 120 FDIC-insured banks with an average Bank Health Score of 79/100 (B). The safest bank is Farmers&Merchants Stb Bloomf with a score of 100/100.
Data from FDIC Q2 2024
120 Nebraska banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Nebraska's 120 FDIC-insured banks hold a combined $96.6B in assets. Their average Bank Health Score of 79/100 sits 1.0 points in line with the national average of 80/100. Across the state, 86% of banks earn an A or B grade for financial health, while 3% fall to a D or F.
The largest bank headquartered in Nebraska is First National Bank of Omaha with $31.5B in assets and a Bank Health Score of 77/100. The strongest by score is Farmers&Merchants Stb Bloomf in Bloomfield (100/100, Tier 1 capital 21.33%). The weakest is First Central Bank Mccook at 43/100, dragged down by an NPL ratio of 7.28%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Nebraska
Farmers&Merchants Stb Bloomf
Bloomfield, NE
Nebraska's top-rated bank, with a Tier 1 capital ratio of 21.33% — well above the federal "well-capitalized" threshold of 8%. Holds $205M in assets.
American Interstate Bank
Elkhorn, NE
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $140M in total assets.
Heritage Bank
Wood River, NE
Third in the rankings on the Bank Health Score. Liquidity ratio of 65.43% and ROA of 2.92%.
Top 20 of 120 Banks in Nebraska
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Farmers&Merchants Stb Bloomf | Bloomfield | A | 100 | 21.33% | 0.04% |
| 2 | American Interstate Bank | Elkhorn | A | 100 | 18.67% | 0.00% |
| 3 | Heritage Bank | Wood River | A | 100 | 20.09% | 0.00% |
| 4 | Boelus State Bank | Boelus | A | 100 | 33.37% | 0.00% |
| 5 | Minden Exchange B&T Co | Minden | A | 100 | 19.76% | 0.01% |
| 6 | First National Bank in Ord | Ord | A | 100 | 21.22% | 0.00% |
| 7 | Siouxland Bank | South Sioux City | A | 99 | 28.33% | 0.00% |
| 8 | Nebraska State Bank | Bristow | A | 98 | 14.83% | 0.00% |
| 9 | Scribner Bank | Scribner | A | 98 | 21.88% | 0.26% |
| 10 | Culbertson Bank | Culbertson | A | 98 | 16.90% | 0.00% |
| 11 | West Plains Bank | Ainsworth | A | 97 | 17.00% | 0.00% |
| 12 | Auburn State Bank | Auburn | A | 96 | 14.86% | 0.02% |
| 13 | Homestead Bank | Cozad | A | 96 | 16.60% | 0.31% |
| 14 | Bank of Elgin | Elgin | A | 96 | 13.48% | 0.00% |
| 15 | Bankfirst | Norfolk | A | 96 | 16.94% | 0.63% |
| 16 | First Nb of Gordon | Gordon | A | 96 | 29.55% | 0.66% |
| 17 | Countryside Bank | Unadilla | A | 95 | 14.94% | 0.03% |
| 18 | Adams County Bank | Kenesaw | A | 94 | 13.82% | 0.00% |
| 19 | South Central State Bank | Campbell | A | 94 | 13.33% | 0.00% |
| 20 | Adams State Bank | Adams | A | 94 | 15.43% | 0.13% |
Bank Health Scores for Nebraska are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Farmers&Merchants Stb Bloomf in Bloomfield is currently the safest bank in Nebraska with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 21.33% and a nonperforming loan ratio of 0.04%.
Nebraska has 120 FDIC-insured banks with a combined $96.6B in total assets. The average Bank Health Score across the state is 79/100 (Grade B).
Nebraska's average Bank Health Score of 79/100 is 1.0 points in line with the national average of 80/100. 86% of banks in Nebraska earn an A or B grade, compared with the national average grade of A.
Of 120 FDIC-insured banks headquartered in Nebraska, 63 earn an A, 40 a B, 14 a C, 3 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).