Updated June 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Nebraska

63 banks · Average score: 90/100 · Combined assets $35.5B

63 banks in this state currently hold A grades, averaging a composite score of 90/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 15.23% and an NPL ratio of 0.21%, sourced from the most recent FDIC quarterly Call Report.

63 Nebraska banks earn an A grade on the BankHealth composite, with an average score of 90/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Nebraska A-grade banks by health score with links to each bank's full profile.

A B C DF

What "A" Means in Practice

A-graded banks in Nebraska are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 63 banks chartered in Nebraska qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Nebraska

Banks in this grade tier	63
Combined assets	$35.5B
Average composite score	90/100
Average Tier 1 capital ratio	15.23%
Average NPL ratio	0.21%

All A-Graded Banks in Nebraska

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Farmers&Merchants Stb Bloomf	Bloomfield	100	$205M	21.33%	0.04%	31.39%
2	American Interstate Bank	Elkhorn	100	$140M	18.67%	0.00%	39.23%
3	Heritage Bank	Wood River	100	$573M	20.09%	0.00%	65.43%
4	Boelus State Bank	Boelus	100	$23M	33.37%	0.00%	75.85%
5	Minden Exchange B&T Co	Minden	100	$185M	19.76%	0.01%	48.81%
6	First National Bank in Ord	Ord	100	$150M	21.22%	0.00%	49.52%
7	Siouxland Bank	South Sioux City	99	$83M	28.33%	0.00%	47.33%
8	Nebraska State Bank	Bristow	98	$21M	14.83%	0.00%	33.15%
9	Scribner Bank	Scribner	98	$81M	21.88%	0.26%	40.95%
10	Culbertson Bank	Culbertson	98	$13M	16.90%	0.00%	41.86%
11	West Plains Bank	Ainsworth	97	$123M	17.00%	0.00%	36.64%
12	Auburn State Bank	Auburn	96	$251M	14.86%	0.02%	53.19%
13	Homestead Bank	Cozad	96	$499M	16.60%	0.31%	29.84%
14	Bank of Elgin	Elgin	96	$79M	13.48%	0.00%	33.71%
15	Bankfirst	Norfolk	96	$1.1B	16.94%	0.63%	31.29%
16	First Nb of Gordon	Gordon	96	$321M	29.55%	0.66%	60.56%
17	Countryside Bank	Unadilla	95	$112M	14.94%	0.03%	42.33%
18	Adams County Bank	Kenesaw	94	$235M	13.82%	0.00%	31.34%
19	South Central State Bank	Campbell	94	$201M	13.33%	0.00%	28.11%
20	Adams State Bank	Adams	94	$70M	15.43%	0.13%	33.30%
21	First Westroads Bank INC	Omaha	93	$336M	12.90%	0.00%	34.31%
22	Cedar Security Bank	Fordyce	93	$55M	17.90%	0.28%	49.53%
23	Five Points Bank	Grand Island	92	$2.0B	13.56%	0.06%	39.06%
24	Stanton State Bank	Stanton	92	$60M	16.13%	0.31%	42.79%
25	Corn Growers State Bank	Murdock	91	$38M	14.28%	0.05%	38.92%
26	First Nb of Johnson	Johnson	91	$95M	16.14%	0.00%	63.21%
27	First Northeast Bank of Ne	Lyons	91	$464M	12.47%	0.22%	50.40%
28	Cerescobank	Ceresco	90	$70M	13.59%	0.23%	46.76%
29	First B&T of Fullerton	Fullerton	90	$100M	14.23%	0.00%	26.06%
30	Genoa Community Bank	Genoa	90	$66M	16.03%	0.00%	24.12%
31	Bank of Prague	Prague	89	$40M	12.98%	0.45%	26.67%
32	Tecumseh Federal Bank	Tecumseh	89	$52M	21.47%	0.20%	40.30%
33	American Exchange Bank	Elmwood	88	$67M	10.95%	0.24%	37.39%
34	Premier Bank National Assn	Omaha	88	$352M	14.07%	0.01%	21.13%
35	Chambers State Bank	Chambers	88	$81M	24.46%	0.10%	18.46%
36	Bank of Hartington	Hartington	88	$135M	12.15%	0.00%	28.54%
37	York State Bank	York	88	$184M	15.06%	0.39%	20.58%
38	First Bank of Bancroft	Bancroft	88	$29M	13.17%	0.00%	51.70%
39	Clarkson Bank	Clarkson	87	$71M	11.27%	0.04%	53.53%
40	Battle Creek State Bank	Battle Creek	87	$42M	15.81%	0.00%	21.25%
41	Bank of Orchard	Orchard	87	$35M	12.08%	0.47%	71.75%
42	Pathway Bank	Cairo	87	$317M	11.54%	0.01%	29.89%
43	Firstbank of Nebraska	Wahoo	87	$436M	11.16%	0.06%	50.71%
44	Adams Bank&Trust	Ogallala	86	$1.4B	11.67%	0.37%	35.68%
45	Thayer County Bank	Hebron	84	$80M	12.46%	0.13%	28.15%
46	Waypoint Bank	Cozad	84	$377M	13.15%	1.09%	28.69%
47	Access Bank	Omaha	84	$996M	12.16%	0.01%	25.11%
48	Bank of Mead	Mead	83	$36M	10.27%	0.00%	55.24%
49	Butte State Bank	Butte	83	$56M	10.50%	0.00%	33.83%
50	Potter State Bank of Potter	Potter	83	$49M	16.63%	2.43%	50.15%
51	Custer Federal State Bank	Broken Bow	83	$121M	11.89%	0.45%	31.97%
52	Madison County Bank	Madison	83	$596M	17.89%	0.18%	19.71%
53	Cattle Bank&Trust	Seward	83	$391M	11.93%	0.10%	23.88%
54	Union Bank&Trust Co	Lincoln	82	$8.5B	12.06%	0.20%	22.11%
55	Pinnacle Bank	Lincoln	81	$8.6B	11.83%	0.49%	27.60%
56	Bank of Steinauer	Steinauer	81	$17M	10.15%	0.00%	34.77%
57	First Nebraska Bank	Valley	81	$347M	10.09%	0.56%	31.33%
58	First Bank of Utica	Utica	81	$76M	13.59%	0.80%	21.40%
59	Security Nb of Omaha	Omaha	81	$1.6B	11.87%	0.27%	24.30%
60	Jones Bank	Seward	81	$436M	9.90%	0.26%	40.79%
61	Nebraska State Bank&Trust Co	Broken Bow	81	$279M	13.53%	0.15%	16.95%
62	Elkhorn Valley Bank&Trust	Norfolk	80	$1.3B	12.11%	0.21%	23.49%
63	Mnb Bank	Mccook	80	$585M	10.07%	0.13%	33.48%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Nebraska?

What does this tier look like financially?

Across 63 A-graded banks in Nebraska, the average Tier 1 capital ratio is 15.23% and the average nonperforming-loan ratio is 0.21%. Combined assets in this cohort total $35.5B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials 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 using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Nebraska →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-06-29 · 63 A-graded banks in Nebraska. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.