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Dayspring Bank
Gothenburg, NE · FDIC Certificate #13622 · Chartered 01/0
Total assets
$1.23B
Total deposits
$927.56M
Total equity
$126.08M
Net loans
$854.49M
Branches (offices)
8
Net income (YTD)
$6.29M
Rank: #875 of 4,213 U.S. banks by assets · #14 of 138 in Nebraska. Assets changed 6.8% and deposits 0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 10.24% |
| Net interest margin (YTD) | 2.90% |
| Equity to assets | 10.24% |
| Tier 1 leverage ratio | 10.71% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 1.73% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 92.1% |
| Real estate loans (share of loans) | 78.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $667.99M | 78.2% | |
| Commercial & industrial | $67.98M | 8.0% | |
| Consumer / individual | $12.37M | 1.4% | |
| Construction & development | $32.65M | 3.8% | |
| Agricultural | $91.37M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $872.47M | $612.95M | $7.29M | $80.80M |
| Jun 2023 | $1.03B | $732.96M | $2.25M | $84.52M |
| Jun 2024 | $1.09B | $788.01M | $3.65M | $102.29M |
| Jun 2025 | $1.15B | $925.71M | $4.02M | $111.54M |
| Jun 2026 | $1.23B | $927.56M | $6.29M | $126.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $927.56M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $927.56M.
Similar-sized banks
Wood & Huston Bank ($1.23B) · Fidelity Bank ($1.23B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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