What are the current interest rates at Nebraska State Bank and Trust Company?

Current rates for Nebraska State Bank and Trust Company include: 12-Month CD: 0.40%, 18-Month CD: 0.45%, 24-Month CD: 0.55%, 36-Month CD: 0.75%, 48-Month CD: 4.05%, 60-Month CD: 4.10%, Savings: 0.75%, MMA: 0.50%

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Nebraska State Bank and Trust Company

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Nebraska State Bank and Trust Company Rates & Review October 2026

Q: How many branches does Nebraska State Bank and Trust Company operate?

Nebraska State Bank and Trust Company currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Nebraska State Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nebraska State Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Q: Does Nebraska State Bank and Trust Company offer online and mobile banking?

Most modern institutions like Nebraska State Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nesb.bank.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Nebraska State Bank and Trust Company's top rates as of October 12, 2026 are 4.10% APY on its 5 Years 5 Year Certificate, 0.75% APY on savings, and 0.50% APY on money market accounts, according to rates verified by MonitorBankRates. Other Nebraska State Bank and Trust Company CD rates include Term - 5 Years at 4.10%, Time Certificate of Deposit - 5 Years at 4.10%, and 4 Years 4 Year Certificate at 4.05%. MonitorBankRates evaluates the financial stability of Nebraska State Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.01%. Rates last updated and verified on 10/12/2026.

Nebraska State Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Nebraska State Bank and Trust Company? Share your experience about Nebraska State Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Nebraska State Bank and Trust Company.

Ranked #6 Healthiest Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.01%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Nebraska State Bank and Trust Company

945 S D St
Broken Bow, NE 68822

https://www.nesb.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Nebraska State Bank and Trust Company CD Rates

Product	Rate	APY	Term
5 Year Certificate	4.04%	4.10%	5 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 4.10% ▲ 1.65 pts · high 4.10% / low 2.45% Oct 8, 20264.10%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 5 Years	4.04%	4.10%	5 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 4.10% ▲ 1.65 pts · high 4.10% / low 2.45% Oct 8, 20264.10%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 5 Years	4.04%	4.10%	5 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
4 Year Certificate	3.99%	4.05%	4 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.55% → 4.05% ▲ 1.50 pts · high 4.05% / low 2.55% Oct 8, 20264.05%▲ from 2.55% Sep 14, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 4 Years	3.99%	4.05%	4 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.55% → 4.05% ▲ 1.50 pts · high 4.05% / low 2.55% Oct 8, 20264.05%▲ from 2.55% Sep 14, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 4 Years	3.99%	4.05%	4 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
3 Year Certificate	3.94%	4.00%	3 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 4.00% ▲ 1.35 pts · high 4.00% / low 2.65% Oct 8, 20264.00%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 3 Years	3.94%	4.00%	3 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 4.00% ▲ 1.35 pts · high 4.00% / low 2.65% Oct 8, 20264.00%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 3 Years	3.94%	4.00%	3 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
2 Year Certificate	3.84%	3.90%	2 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.90% ▲ 1.15 pts · high 3.90% / low 2.75% Oct 8, 20263.90%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 2 Years	3.84%	3.90%	2 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 3.90% ▲ 1.15 pts · high 3.90% / low 2.75% Oct 8, 20263.90%▲ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 2 Years	3.84%	3.90%	2 Years
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
18 Month Certificate	3.75%	3.80%	18 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00% Oct 8, 20263.80%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 18 month	3.75%	3.80%
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 18 month	3.75%	3.80%	18 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00% Oct 8, 20263.80%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
1 Year Certificate	3.65%	3.70%	1 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30% Oct 8, 20263.70%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 1 Year	3.65%	3.70%	1 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
3 Month Certificate	3.55%	3.60%	3 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Oct 8, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
6 Month Certificate	3.55%	3.60%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Oct 8, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 3 month	3.55%	3.60%	3 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50% Oct 8, 20263.60%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Time Certificate of Deposit - 6 month	3.55%	3.60%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Oct 8, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 2 Years	1.98%	2.00%	2 Years
Min Deposit $100 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 2.00% ▼ 0.75 pts · high 2.75% / low 2.00% Oct 8, 20262.00%▼ from 2.75% Sep 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 3 Years	1.49%	1.50%	3 Years
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 1.50% ▼ 1.15 pts · high 2.65% / low 1.50% Oct 8, 20261.50%▼ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 3 Years	0.75%	0.75%	3 Years
Min Balance $5,000 Details Balance: $5,000+; Daily Principal Balance Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 2 Years	0.55%	0.55%	2 Years
Min Balance $1,000 Details Daily Principal Balance: $1,000-$4,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 3 month	0.50%	0.50%	3 Months
Details Published APY range: 0.50%-2.00%; Published rate range: 0.50%-1.98%. Daily Principal Balance: See Brochure or Contact CSR for details Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 18 month	0.45%	0.45%
Min Deposit $200 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 1 Year	0.40%	0.40%	1 Year
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 0.40% ▼ 2.90 pts · high 3.30% / low 0.40% Oct 8, 20260.40%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 1 Year	0.40%	0.40%	1 Year
Min Balance $1,500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 3 month	0.35%	0.35%	3 Months
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 6 month	0.35%	0.35%	6 months
Min Deposit $25 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 0.35% ▼ 3.05 pts · high 3.40% / low 0.35% Oct 8, 20260.35%▼ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 6 month	0.35%	0.35%	6 months
Min Balance $0 Details Balance: $0-$1,499.99 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 0.35% ▼ 3.05 pts · high 3.40% / low 0.35% Oct 8, 20260.35%▼ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Nebraska State Bank and Trust Company Savings Rates

Product	Rate	APY
Christmas Club	1.49%	1.50%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00% Oct 8, 20261.50%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Christmas Club	-	1.49%
Min Deposit $0 Min Balance $0 Details Monthly Service Charge: N/A. How to Avoid Monthly Service Charge: No transfers made out of account. Other Account Benefits: Set aside money in preparation for holidays. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Health Savings Account	0.75%	0.75%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Health Savings Account	0.55%	0.55%
Min Balance $1,000 Details Balance: $1,000-$4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Health Savings Account	0.45%	0.45%
Min Balance $0 Details Balance: <$1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Regular Savings	0.45%	0.45%
Min Deposit $200 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40% Oct 8, 20260.45%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Regular Savings	-	0.45%
Min Deposit $200 Min Balance $10 Details Monthly Service Charge: $3 if balance falls below $200 any day of the cycle. How to Avoid Monthly Service Charge: Maintain $200 daily balance. Other Account Benefits: Online and Mobile Banking access. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.45% ▲ 0.05 pts · high 0.45% / low 0.40% Oct 8, 20260.45%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Nebraska State Bank and Trust Company Money Market Rates

Product	Rate	APY
Loyalty Money Market	-	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Published APY range: 0.50%-2.05%. APY*: 0.50%-2.05% (See Brochure or Contact CSR for Details). Monthly Service Charge: $7 if balance falls below $10,000 any day of the cycle. How to Avoid Monthly Service Charge: Maintain $10,000 minimum balance. Other Account Benefits: Free Internet Banking & Bill Pay. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market	0.40%	0.40%
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.40% ▲ 0.05 pts · high 0.40% / low 0.35% Oct 8, 20260.40%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Money Market	-	0.40%
Min Deposit $1,000 Min Balance $1,000 Details Monthly Service Charge: $5 if balance falls below $1,000 any day of the cycle. How to Avoid Monthly Service Charge: Maintain $1,000 minimum balance. Other Account Benefits: Free Internet Banking & Bill Pay. Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 0.35% → 0.40% ▲ 0.05 pts · high 0.40% / low 0.35% Oct 8, 20260.40%▲ from 0.35% Sep 20, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Nebraska State Bank and Trust Company Other Rates

Product	Rate	Points	APY/APR	Term
50+ Value/Direct Interest	0.35%	-	0.35%
Min Deposit $25 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.30% → 0.35% ▲ 0.05 pts · high 0.35% / low 0.30% Oct 8, 20260.35%▲ from 0.30% Sep 14, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Business Interest	0.35%	-	0.35%
Min Deposit $25 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 8, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
IRA Accounts	1.98%	-	2.00%
Min Deposit $100 Details *** Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.90% → 2.00% ▲ 0.10 pts · high 2.00% / low 1.90% Oct 8, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Prestige Interest	0.35%	-	0.35%
Min Balance $0 Details Balance: $0-$1,499.99 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 0.30% → 0.35% ▲ 0.05 pts · high 0.35% / low 0.30% Oct 8, 20260.35%▲ from 0.30% Sep 20, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Prestige Interest	0.40%	-	0.40%
Min Balance $1,500 Details Balance: $1,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.40% ▲ 0.05 pts · high 0.40% / low 0.35% Oct 8, 20260.40%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 1 Year	3.65%	-	3.70%	1 Year
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30% Oct 8, 20263.70%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 3 Months	3.55%	-	3.60%	3 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%
Term - 6 Months	3.55%	-	3.60%	6 months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Oct 8, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Nebraska State Bank and Trust Company’s Texas Ratio fell from 3.10% in Q3 2023 to 0.01% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$286M	0.01%	5.0	A+
March 31, 2026	$281M	0.03%	5.0	A+
December 31, 2025	$285M	0.02%	5.0	A+
September 30, 2025	$281M	0.03%	5.0	A+
June 30, 2025	$275M	0.87%	5.0	A+
March 31, 2025	$279M	0.06%	5.0	A+
December 31, 2024	$298M	0.11%	5.0	A+
September 30, 2024	$280M	0.80%	5.0	A+
June 30, 2024	$279M	1.21%	5.0	A+
March 31, 2024	$272M	1.15%	5.0	A+
December 31, 2023	$281M	1.52%	5.0	A+
September 30, 2023	$271M	3.10%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Nebraska State Bank and Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Nebraska State Bank and Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Nebraska State Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Nebraska State Bank and Trust Company

Bank Holding Company FIRST CENTRAL NEBRASKA CO

Address 945 S D St, Broken Bow, NE 68822 · Custer

Website https://www.nesb.bank

FDIC Certificate # 8322

Established 19170223

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9181%

Return on Equity (ROE) 15.9800%

Non-Performing Loans (NPL) 0.00%

Total Assets $285,754,000

Total Deposits $233,680,000

Equity Capital $34,932,000

Net Income $2,723,000

Headquarters Broken Bow

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Nebraska State Bank and Trust Company earned the Top 100 Healthiest badge

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       alt="Ranked #6 in MonitorBankRates Top 100 Healthiest Small Banks Q2 2026"
       width="160" height="160">
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Frequently Asked Questions About Nebraska State Bank and Trust Company

How many branches does Nebraska State Bank and Trust Company operate?

Nebraska State Bank and Trust Company currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Nebraska State Bank and Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nebraska State Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Nebraska State Bank and Trust Company offer online and mobile banking?

Most modern institutions like Nebraska State Bank and Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nesb.bank.