NEBRASKA BANK OF COMMERCE

LINCOLN, NE · Supervised by FDIC

Est. 2007FDIC #58,724RSSD: FDIC-58724

Part ofNBC BANCSHARES LLC→ View all charters

Satisfactory Same

Current rating · Exam: October 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.83%

Institution Profile

FDIC BankFind

Website

www.thenbcbank.com

Address

6000 Village Dr, LINCOLN, NE

County

Lancaster County

Established

December 3, 2007

Total Assets

$239M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$239M

Total Deposits

$200M

Net Loans

$212M

Net Income

$483K

ROA

0.83%

ROE

8.70%

Risk-Based Capital

12.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.06%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$181M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	98	87.76%	3.06%
2023	97	81.44%	5.15%
2022	96	82.29%	1.04%
2021	91	75.82%	5.49%
2020	75	53.33%	12.00%
2019	99	81.82%	7.07%
2018	88	72.73%	3.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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