State Nebraska Bank & Trust


State Nebraska Bank & Trust is an FDIC insured institution headquartered at 122 Main St, Wayne, NE 68787.
It was founded in 1892 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - March 20, 2026

SAVINGS RATES APY MIN
Savings
0.25% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.25% $10,000 Compare
6 Mo CD
0.25% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
Special: 13 Mo CD
0.75% $1,000 Compare
24 Mo CD
0.75% $10,000 Compare
24 Mo CD
0.75% $100,000 Compare
36 Mo CD
1.00% $10,000 Compare
36 Mo CD
1.00% $100,000 Compare
60 Mo CD
1.25% $10,000 Compare
60 Mo CD
1.25% $100,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.25% $10,000 Compare
Money Market
0.50% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.25% $1
Int Ckg
0.25% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5490
Date Established 1892
Assets $ 254.86 million
Loans $ 164.10 million
Deposits $ 205.04 million
Capital $ 22.40 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 4.74 million
Interest-bearing balances $ 0.49 million
Total securities $ 71.26 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 164.10 million
Loan loss allowance $ 2.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 6.71 million
     Total Assets $ 232.46 million

LIABILITIES
Total deposits $ 205.04 million
      Interest-bearing deposits $ 177.87 million
      Deposits held in domestic offices $ 205.04 million
      % insured (estimated)" 74.83%
Federal funds purchased and repurchase agreements $ 3.76 million
Trading liabilities N.A.
Other borrowed funds $ 1.00 million
Subordinated debt N.A.
All other liabilities $ 0.66 millionn
      Total Liabilities $ 232.46 million
      Shareholders’ Equity $ 22.40 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 9.59 million
Total Interest Expense $ 4.56 million
Net interest income $ 5.03 million
Provision for loan and lease losses $ 0.45 million
Total non interest income $ 0.75 million
Total non interest expense $ 3.34 million
Pre-tax Net Operating Income $ 1.07 million

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Branches

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State Nebraska Bank & Trust Locations