Banner County Bank, Inc.

Banner County Bank, Inc. is headquartered in Harrisburg and is the 80^th largest bank in the state of Nebraska. It is also the 4,528^th largest bank in the nation. It was established in 1964 and as of December of 2011, it had grown to 19 employees at 2 locations. Banner County Bank, Inc. has a 5-star health rating.

Data for Q4 2011

Institution Statistics Banner County Bank, Inc. FDIC Certificate # 19274 BankRate Report View Year Established 1964 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $116.47 million Loans $73.36 million Deposits $103.24 million Equity Capital $11.55 million Loan Loss Allowance $942,000 Unbacked Noncurrent Loans $91,000 Real Estate Owned $290,000 Historic Data - December 2010 Assets $58.04 million Equity Capital $7.43 million Loan Loss Allowance $683,000 Unbacked Noncurrent Loans $101,000 Real Estate Owned $704,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 0.87% Return on Equity 8.5% Interest Income $5.30 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Banner County Bank, Inc. had $381,000 in non-current loans and owned real-estate with $12.49 million in equity and loan loss allowances on hand to cover it. This gives Banner County Bank, Inc. a Texas Ratio of 3.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Banner County Bank, Inc. decreased significantly from 9.92% as of December 31, 2010 to 3.05% as of December 31, 2011, resulting in a positive change of 69.24%.This indicates that the balance sheet and financial strength for Banner County Bank, Inc. has improved significantly in recent periods. Deposit Growth In the past year, Banner County Bank, Inc. has increased its total deposits by $54.87 million, resulting in 113.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Banner County Bank, Inc. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Banner County Bank, Inc. has $116.47 million in assets with $12.49 million in equity, resulting in a capitalization level of 10.72%, which is above average.

No reviews have been left for this bank yet. Be the first to review.