Bank · FDIC insured
State Nebraska Bank & Trust
A $244M bank headquartered in Wayne, NE, with 2 branches in Nebraska. Best rates: CDs 4.00% and savings 1.25% APY.
State Nebraska Bank & Trust Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#39 of 115 in NebraskaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About State Nebraska Bank & Trust
State Nebraska Bank & Trust is a fifth-generation family-owned bank headquartered in Wayne, Nebraska, where it received its bank charter as The State Bank of Wayne in 1892.
The bank converted to a national charter in 1930, added trust powers in 1967, and converted back to a state bank charter as State Nebraska Bank & Trust in 2014.
- Headquarters
- 122 Main St, Wayne, NE 68787
- FDIC certificate
- 5490 ↗
Branches
2 branches in Nebraska
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Nebraska
2 branches
- State Nebraska Bank & TrustMain office122 Main St, Wayne, NE 68787Directions
- Campus Drive-In Branch1010 Main St, Wayne, NE 68787Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.61% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.20% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio10.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.61%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.20%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of State Nebraska Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.