A98btb2h_1qx50im

Annual Report

July 1, 2020 - June 30, 2021

Pete Ricketts, Governor

Kelly Lammers, Director

Annual Report

July 1, 2020 - June 30, 2021

1526 K Street | Suite 300 | PO Box 95006 |

Lincoln, NE 68508

Main Oﬃce: (402) 471-2171

Consumer Hotline: (877) 471-3445

ndbf.nebraska.gov

ndbf.nebraska.gov 2020 Nebraska Department of Banking & Finance 2



Overview 3

Vision 3

Mission Statement 3

Department Staff 4

Director’s Message 5

Year in Review 7

Department Budget & Funding 14

Financial Institutions Division

General Information

State-Chartered Institutions & Licensees/

Registrants

Activity by the Institution 15

Activity by the Numbers 15

Financial Institutions Total Resources

State Chartered Commercial Banks’

Aggregate Balance Sheet

Banks

State-Chartered Banks with Branches

Historical Data

State-Chartered Banks

Registered Bank Holding Companies 33

Commercial Bank Members of the

Federal Reserve System

Trusts

State-Chartered Banks Authorized to

Operate with Trust Powers

State-Chartered Trust Companies

Credit Unions

State-Chartered Credit Unions

Consumer Lending

Delayed Deposit Services Businesses

Installment Loan Companies

Sales Finance Companies

Money Transmitter Licensees

Mortgage Bankers

Single Bank Pooled Collateral Program 20

Bureau of Securities

General Information

Licensees/Registrants by the Numbers

New Registrations

Loan Brokers

Enforcement Actions

Securities Registrations and Exemptions

Historical Data

Securities Act Cash Fund Status

Issuer Applications

Registration of Broker-Dealers and Agents

Appendices

A. Department Leadership Through the

Years

B. Historical Data—State Chartered Banks

1897 to present

C. Credit Union Comparative Statement

D. State Chartered Trust Company

Comparative Statement

E. DDS Financial Statement

F. Historical Data—Securities Act Cash

Fund Status 1939 to present

G. Historical Data—Issuer Applications

1939 to present

H. Historical Data—Registration of Broker-

Dealers and Agents 1939 to present

Table of Contents

ndbf.nebraska.gov 2020 Nebraska Department of Banking & Finance 3



Department Overview

The Department of Banking was created by Nebraska legislators to regulate state-chartered banks and other financial

industries within the state. In 1939, regulation of state securities laws was also placed under the jurisdiction of the

Department of Banking. Today, the Nebraska Department of Banking and Finance regulates and supervises various

financial industries on behalf of the State of Nebraska and its residents.



Our Vision

The Department’s Vision is to make Nebraska the most trusted financial home for people and businesses.

Our Mission

Our mission is to protect and maintain the public confidence through the fair, efficient, and experienced supervision of

the state-regulated financial services industries; to assist the public in their dealings with those entities; to assist those

whom we regulate in a manner which allows them to remain competitive, yet maintain their soundness in compliance

with the law; to fulfill our statutory responsibilities with regard to all licensees and registrants; and to investigate violations

of the laws and cooperate with other agencies in seeking a timely resolution of problems and questions.

What We Do

Our agency serves the citizens of Nebraska through our various duties. Our field staff examines state-chartered

financial institutions and other state-licensed industries to ensure sound operations and compliance with state laws. We

investigates securities violations and consumer complaints against state-chartered or state-licensed entities.

The Nebraska Department of Banking and Finance is an agency in the executive branch of the state under the direct

supervision of the Governor. The Director of Banking and Finance is appointed by the Governor. We draw no funds

from the General Fund of Nebraska; our agency is funded entirely by the industries we regulate. Our agency is

comprised of two divisions—Financial Institutions and Bureau of Securities. Together these two divisions regulate

several different financial industries. Listed are the various industries regulated by each section.

Financial Institutions

 State-chartered banks, credit unions, savings & loans, and trust companies

 Mortgage lenders

 Consumer lenders (installment loan companies, sales finance companies)

 Money Transmitters

 Delayed Deposit Services (also known as payday lenders)

Bureau of Securities

 Securities registrations and exemptions

 Broker-dealers and agents

 Investment advisors and representatives

 Business opportunities (includes franchise filings)

 Seller-assisted marketing plans and consumer rental purchase agreements

 Nebraska Commodity Code

 Loan Brokers

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 4



2021 Department Staff

Director .................................................................... Kelly Lammers

Mark Quandahl*

Financial Institutions Division

Deputy Director ............................................................ Darcy Bailar

Review Examiners ...................................................... Darren Davis

Brody Focken

Gregory G. Freese

Scott Peter

Shannon Van Houten

Accounting Examiner Specialist ......................... Michelle Lindner

Capital Markets Examiner Specialist ....................... Jose Salinas

BSA Examiner Specialist ...................................... Jaunita Koerner

IT Examiner Specialist ............................................. Rachel Newell

Trust Examiner Specialist ................................................. Ted Hall

Omaha District Bank Examiners

James P. McTygue, Supervising Examiner

Maxwell Cameron

Brittany Jackson

Cassidy Stork

Jordan Taylor

Nolan Nordhues*

Lincoln District Bank Examiners

Brian Nielsen, Supervising Examiner

Whitney Baggs

Henry Gonzalez

Benjamin Kiolbasa

Austin Malone

Alexander Thorson

Conna Wiese

Matthew Van Pelt*

Kearney Bank Examiners

Michael Miller, Supervising Examiner

Rhonda Johnson

Corey Lienemann

Tyler Mestl

Taylor Simmerman

Adam Starr

Perry T. Neill*

Non-Depository Examiners

Grant Dittman

Jeff Peterson

Brian Simpson

David Pace*

Administrative Assistants ................................... Bobbi Alexander

Kathy Sparks

Staff Assistant .......................................................... Susie Hansen

Bureau of Securities

Deputy Director ...................................................... Claire McHenry

Securities Bureau Counsel ..................................... Mike Cameron

Investigation & Compliance (Investigations)

Unit Supervisor ............................................... Thomas A. Sindelar

Investigation & Compliance (Registration & Compliance)

Unit Supervisor .................................................... Rodney R. Griess

Examiners ............................................................. Alfred Berchtold

Stevan Vasic

Jackie L. Walter

Security Analysts ............................................... Samantha Billings

Christine Cooney

Administrative Assistants .................................. Angela Burchess

Cynthia Velazquez

Legal Division

General Counsel ............................. Patricia A. Humlicek Herstein

Financial Institutions Counsel ..................................... Tag Herbek

Michael McDannel*

Consumer Finance Counsel ............................. William Lawrence

Money Transmitters Counsel .................... John E. “Jack” Jensen

Senior Staff Attorney ..................................... Christopher German

Paralegals ......................................................................... Ann Divis

Cindy Faris

Administrative Assistants ......................... Sandra Blumanhourst

Debbie Yost

Business/Accounting Division

Business Manager ................................................... Margo Sawyer

Accountant........................................................... Grace Rittenburg

Accounting Clerk/Receptionist ..................................... Julie Foral

Human Resources Division

Personnel Oﬃcer ....................................................... Susie Voecks

Information Systems Division

Chief Information Technology Oﬃcer ........................ Mike Fabry

IT Database Analyst ................................................... Steve Covert

Infrastructure Business System Analyst ........... Shailaja Chivkula

*Left employment during ﬁscal year

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 5



Director’s Message



Kelly Lammers, Director

HISTORY IN THE MAKING

I was honored to be appointed by Governor Pete Ricketts

as the Nebraska Director of Banking and Finance in

September of 2020. As a lifelong student of banking and

ﬁnance, I marvel at Nebraskans’ ability to create

opportunity through the delivery of available credit,

investments, and groundbreaking thinking. The art of

ﬁnancial services is constantly changing, connecting the

promise of contract performance with the certainty of

money. As a regulator, I witnessed the industry change

with the enactment of new laws which allowed bank

branching, ATMs, direct deposit, and mutual funds to

create a way for individuals to obtain ﬁnancial services

not previously available. I watched the commitment of

those in the ﬁnancial service industry to make all that hap-

pen. As we research, observe, and regulate the next step

in ﬁnancial services and understand that the impact of

Covid-19 is not yet over, we hold true to our mission, to

protect and maintain the conﬁdence of Nebraska

ﬁnancial institutions.

Delivering on the State’s Mission to create opportunity

through more effective, more eﬃcient, and customer

focused state government requires the NDBF dedicated

team of specialists performing administration, licensing,

and professional services. Only with skilled staff and

trained professionals is it possible to pivot to meet the

needs of the customer with record demand for licenses,

to look to the future and offer contributions to what

became the Nebraska Financial Innovation Act, and

review decades of on-site processes to develop new

hybrid approaches to investigations and examinations. At

all-times the Department upheld our focus on maintaining

high availability and quality while reducing travel and lags

in available information. Additionally, the Department

also closed out a multi-month peer review of our

mortgage regulation division and received Mortgage

Accredited Status on November 23, 2020, by the

Conference of State Bank Supervisors. With

consideration of our customer, our industries, and our

team, the Department delivers on the promise to offer

regulatory perspective in the present and plan for the

future, while retaining the lessons learned in the past.

This report offers many charts, graphs, and tables

reﬂecting the detailed work performed by the NDBF team

in FY 2021. A common economic movement during

times of uncertainty is growth in bank deposits, often

called a rush to quality. Nebraska-chartered banks’ total

assets grew by more than 14% to over $55 Billion FY 2021

which was due to a blend of economic considerations as

well as the migration of two additional charters into the

State system. Examination rates for the upcoming year

decreased 9%. Addressing issues of quality and safety

along with growth, the NDBF remote examinations

evolved into hybrid examinations and questions of capital

and reserves were routinely addressed.

Signiﬁcant growth in the mortgage industry largely

associated with a blend of Covid challenges inﬂuencing

personal income and historic low mortgage interest rates,

required professionals to ﬁll the demand. The

Department leveraged automation with a highly skilled

team and processed a 40.5% increase in mortgage loan

originators to a total of over 5,470 individuals, which in

turn fueled 26% growth in the $19 Billion dollar-serviced

loan area. The securities industry also saw signiﬁcantly

increased demand for their products, with the Department

stepping up to the task and processing a 17% increase in

new registrations of Broker Dealer Agents, exemptions

increased 10% and total revenue was up nearly 30% or

more than $7 million. The entire ﬁnancial services

industry as well as the NDBF requires being innovatively

available for their customers, delivering timely and

cost-effective solutions, and at the same time maintaining

quality loans, investments, examinations, and licensing.

Making decisions on personal investments, placing

money on deposit, obtaining a home loan and a host of

other activity in Nebraska, effectively grows the industries

that Grow Nebraska.

The Department, through the bid process, selected the

Nebraska Bankers Insurance and Services Company

(NBISCO) to administer the Nebraska Pooled Collateral

program, which became effective July 1, 2020. Utilization

of the program has grown since its inception to currently

include 16 banks, totaling over $1.2 Billion in public

deposits and $1.5 Billion in pledging. The program not

only made pledging more eﬃcient for the banks and the

tracking of pledge securities more eﬃcient for over 200

Director’s Message

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 6

municipalities, but it also made money available to

Nebraskans. One banker reported success of this

program in being able to redirect money previously

pledged to public funds now toward the funding of more

than 50 additional local mortgage loans.

The Department’s legal agenda, covered in more detail

later in this report, included the passage of the omnibus

bill, maintaining the ability for State banks and credit

unions to exercise the same powers as national or federal

charters as well as a bill that enabled the securities

industry to temporarily hold transactions that are

associated with suspected ﬁnancial exploitation of

vulnerable adults. Yet the most pioneering banking effort

in decades was made law with the passage of the

Nebraska Financial Innovation Act. The Department is

ready and excited to lead Nebraska as the second state

to create a “digital asset depository” based platform to

manage and create controllable electronic records. As

the ﬁnancial literacy and legal conformity of digital assets

evolves, the Department is preparing a team of forward-

thinking lawyers and examiners to jointly deliver the rules

and guidance that will identify the opportunities of the

Nebraska Chartered Digital Asset Depository. With the

law effective October 1, 2021, over 20 NDBF lawyers and

examiners are both continuing their assigned tasks and

also attending training and achieving certiﬁcations to

provide a standard regulatory expectation of promise and

certainly into the Digital Asset Depository charter.

A year inﬂuenced by Covid-19 must include celebrations

of meeting challenges. I encourage you to read the

articles and tables in the balance of this Annual Report

reﬂecting on NDBF licensed services in our quest to

deliver licensed ﬁnancial choices to Nebraskans. Yet,

history in the making isn’t simply meeting challenges, it is

delivering on the Nebraska spirit to produce, to increase

yields, and to know our neighbors; it is to Grow Nebraska

by making Nebraska Financial Services the ﬁrst choice

for individuals as well as businesses.

Sincerely,

Kelly Lammers, Director

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 7



A Year In Review

FINANCIAL INSTITUTIONS

Darcy Bailar, Deputy Director

I am excited to be making my Annual Report debut as

Deputy Director of Financial Institutions! I assumed this

role in November 2020 during a time when “business-as-

usual” was evolving rapidly for the ﬁnancial industry, as

well as many others. The NDBF team has continued

great work in a year that posed many challenges and

changes to traditional processes. I am incredibly proud

of the effective and ﬂuid responses from our team. We

take great pride in successfully fulﬁlling the NDBF vision

and mission to ensure the continued safety and

soundness of Nebraska ﬁnancial institutions.

Nebraska state-chartered ﬁnancial institutions continue

to grow, be proﬁtable and well-capitalized, and serve as

critical community resources for citizens across Nebras-

ka. State banks account for 94% of bank charters in

Nebraska and have combined total assets of

$55,094,981,000. During this year, four banks merged

into existing state-chartered ﬁnancial institutions, two

banks converted from national to Nebraska-state

charters, and ten new bank branches were approved. On

a nationwide comparison, Nebraska ranks #8 in the

nation in number of state-chartered institutions, and #32

by total assets. Trust powers are authorized for 29 state

banks, in addition to four state-chartered trust companies

with total assets under management of $12,397,394.

NDBF charters 11 credit unions with total assets of

$897,100,340. There was one merger between two state-

chartered credit unions during this year as well.

Non-Depository industries have also continued to show a

high level of growth in presence and transaction volume in

Nebraska. NDBF licenses 5,471 Mortgage Loan

Originators and 426 Mortgage Banker Companies with

total assets of $1,945,092,001,706. Money Transmitter

Company licenses total 162 and a combined

$402,426,638,640 in total assets. Additional non-

depository licenses include 98 Sales Finance Companies,

4 Installment Loan Companies, and 19 Delayed Deposit

Service (DDS) Companies.

NDBF conducted and/or assisted with 87 depository and

40 non-depository examinations throughout this year. The

examinations at the start of this period began in offsite

only (remote) format. Throughout the second half of the

year, the examination format was shifted to a hybrid

examination with much of the examination work

continuing to be completed offsite, but also often

including onsite management discussions, credit review,

and/or Board exit meetings. This hybrid format, although

still evolving, will become the new standard for NDBF

examinations as it considers the needs of all stakeholders

and is applied and adjusted as needed to each ﬁnancial

institution. Hybrid examinations will maintain prudent

regulatory standards and align with the NDBF vision and

mission. Post-examination industry survey results

indicate that NDBF examinations continue to be

conducted in a fair and objective manner.

The NDBF team resolved 95 consumer complaints

throughout the year across multiple ﬁnancial industries.

In these cases, we often serve as the conduit between a

regulated entity and the customer base it serves, while

monitoring the business practices of Nebraska-regulated

ﬁnancial institutions.

Examiner training and industry outreach opportunities

continued chieﬂy in a virtual format. These types of

activities included examiner schools, conferences with

industry professionals, and various events with our

regulatory counterparts. These activities remain critical in

continuous examiner development and maintaining an

effective regulatory relationship with all ﬁnancial entities.

The Single Bank Pooled Collateral Program was

successfully implemented on July 1, 2020. Banks

participating in this program indicate that it has allowed

funds previously used for pledging purposes to be

redirected for other uses within the bank. In addition to

scheduled examinations, NDBF monitors monthly activity

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 8



A Year In Review

and reporting metrics from the program’s current

administrator, NBISCO.

As was true for almost all facets of business and

government sectors across our nation, this year brought

forth the heightened opportunity and responsibility to

review various "lessons learned" and resulting industry

impacts. Process improvement techniques were

utilized to evaluate NDBF procedures related to

examination activities; industry data collection and

sharing; and documentation review, storage, and

retention. We will continue leveraging all these

resources in our efforts for more effective, eﬃcient, and

customer focused state government.

We look forward to the continued success in all of

Nebraska's ﬁnancial industries, both new and existing, in

the coming year!

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 9



A Year In Review

Bureau of Securities

Claire McHenry, Deputy Director

The Bureau of Securities continued its efforts to protect

investors and Grow Nebraska in FY 2021. The Bureau

administers and enforces the Securities Act of Nebraska

(“Act”), as well as several other consumer and business

protection statutes to protect investors and promote fair

and eﬃcient markets in Nebraska. Strong state

securities regulation is essential to maintaining a stable

securities industry, protecting the public from illegal

operations, and encouraging the formation of capital

and the creation of new jobs in Nebraska.

The Act provides for the registration or exemption of

securities, registration of ﬁrms and individuals,

examination of registered ﬁrms, and enforcement of the

Act through administrative, civil, and criminal actions.

This is possible due to the hard work and dedication of

the Bureau’s specialists, analysts, examiners,

supervisors, and legal staff.

During FY 2021, the Bureau:

Processed 30,497 securities registration and notice ﬁlings

offering over $27 billion in securities;

Provided oversight to 1,418 broker-dealer ﬁrms and state-

registered investment adviser ﬁrms;

Provided oversight to 122,682 Nebraska-registered broker-

dealer agents and investment adviser representatives;

Opened 14 examinations and closed 17 examinations of

registered ﬁrms; and

Initiated 24 new investigations and closed 14 investigations.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 10



A Year In Review

The Bureau remains a net contributor to the General Fund

of the State of Nebraska. In FY 2021, the Bureau’s

expenditures were $1,624,552, and the revenue collected

was $34,024,193, primarily from registration and licensing

fees. The Bureau transferred $25,900,000 from the

Securities Act Cash Fund to the General Fund. Since

2015, the Bureau has transferred $197,900,000 to the

General Fund. Since 2000, the Bureau has transferred

over $490,900,000 to the General Fund.

In FY 2021, the Bureau remained committed to meeting

the needs of Nebraskans and business during the

pandemic. The Bureau extended temporary relief to

broker-dealers and investments from registration

requirements for persons temporarily displaced during the

pandemic, provided extensions for ﬁling deadlines, and

relief from physical signature requirements. The

emergency orders providing such relief were rescinded on

June 30, 2021 with the end of Nebraska’s coronavirus

state of emergency. The Bureau saw signiﬁcant increases

in the amount of securities offered in Nebraska as well as

increases the number of ﬁrms and persons registering to

do business in Nebraska. The Bureau transitioned to

virtual and video outreach programs to continue meeting

with industry and investors, including launching the My

MoNEy Nebraska video series with the Nebraska

Department of Insurance to teach basic ﬁnancial literacy.

Senator Brett Lindstrom of the Banking, Commerce and

Insurance Committee introduced the Department’s bill, LB

297, to adopt the Nebraska Protection of Vulnerable

Adults from Financial Exploitation. LB 297 was based on

model legislation from the North American Securities

Administrators Association to provide broker-dealers and

investment advisers with new tools to deal with suspected

cases of ﬁnancial exploitation of vulnerable adults and

senior adults. LB 297 provides for voluntary reporting of

ﬁnancial exploitation to the Department and Adult

Protective Services, notiﬁcation to appropriate third

parties, maintenance and sharing of records of suspected

ﬁnancial exploitation, and the ability to hold transactions

and disbursements. LB 297 also provides broker-dealers,

investment advisers, and other qualiﬁed persons that act

in good faith and with reasonable care from civil or

administrative liability for actions taken under LB 297. LB

297 was passed by the Legislature on March 25, 2021 and

signed into law by Governor Pete Ricketts on March 31,

2021.

The Bureau carried out an active examination cycle in FY

2021 that prioritized state-registered investment advisers

and broker-dealer branch oﬃces. In response to the

pandemic, the Bureau transitioned to remote

examinations and worked with ﬁrms to arrange

extensions and to submit documents electronically.

Examiners were able to identify and correct deﬁciencies in

ﬁrms, thereby strengthening compliance structures and

protecting investors.

The Bureau engaged in active enforcement of the Act in

FY 2021. The Department issued Cease and Desist

Orders against two internet cryptocurrency “investment”

companies for selling unregistered securities and acting

as unregistered broker-dealers. The Department entered

into a consent order to address unregistered investment

advisory activity. The Bureau saw in increase in

complaints involving investments in precious metals in

self-directed individual retirement accounts and released

a consumer advisory to alert investors about the risks of

investing in precious metals. Additionally, the Department

and the Oﬃce of the Nebraska Attorney General joined the

Commodity Futures Trading Commission and 29 other

states in ﬁling a complaint against Metals.com and

Barrick Capital, Inc. to halt a precious metals scheme that

solicited $185 million from at least 1,600 senior and other

investors, including $600,000 from Nebraska investors.

The United States District Court for the Northern District

of Texas entered an injunction, froze defendants’ assets,

and appointed a receiver. The Bureau is working with the

receiver to return assets to Nebraskans.

The Bureau engaged in vigorous enforcement of the Act in

FY 2020. The Department issued a Cease and Desist

Order against an Omaha man, prohibiting him from

making untrue statements of material fact in connection

with offer and sale of securities. The Department also

entered into two consent orders to address unregistered

broker-dealer activity in Nebraska. At the outset of the

pandemic, the Bureau was concerned that unscrupulous

actors would use market volatility and fears of COVID to

take advantage of investors. To address these concerns,

the Bureau issued consumer advisories warning

Nebraskans to be on the look out for persons looking to

proﬁt from fear and uncertainty and COVID-related scams

and providing advice on how to protect yourself from

COVID-related scams.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 11



A Year In Review

Legal Division

Patricia A. Humlicek Herstein

General Counsel

The Department’s Legal Division continued its strong

focus on protecting Nebraska consumers and assisting

the industries we regulate. We handled a myriad of

issues during this last ﬁscal year.

ADMINISTRATIVE

Twenty-two orders approving depository ﬁnancial

institution applications were issued this ﬁscal year.

These included 11 branches, 6 mergers, 2 charter

conversions, 2 moves, and 1 mobile branch. In

addition, the Department approved six requests for

amendments to previously issued approval orders.

One petition was denied.

The mortgage banking industry showed record

licensing growth, and this was reﬂected in the number

of mortgage loan originator orders. 107 conditional

orders approving licenses were issued, along with 50

orders denying initial and renewal applications, and 40

Notices of Abandonment.

The Department also entered into Consent Agreements

and Consent Orders to resolve regulatory matters

related to banks, money transmitters, mortgage

bankers, and securities.

The 106th Legislature, Second Session, convened on

January 6, 2021. The Legislature adopted a number of

special conditions to ensure safety as the pandemic

continued, including all-day committee hearings at the

start of the session, and was able to complete the

session as originally planned.

LEGISLATIVE

Two bills were introduced this session on behalf of the

Department.

LB 363 was the Department’s omnibus bill introduced

by Banking, Commerce and Insurance (BCI)

Committee Chair Matt Williams, and updated ten

separate Acts under the Department’s jurisdiction. LB

363 carried the emergency clause and became effec-

tive March 18, 2021.

On a Department-wide basis, LB 363 included annual

revisions updating cross-referenced federal statutes

and regulations to refer to those statutes and regula-

tions as they existed on January 1, 2021. These

included statutes in the Nebraska Banking Act, the

Securities Act of Nebraska, the Nebraska Commodity

Code, the Consumer Rental Purchase Agreement Act,

and the Seller-Assisted Marketing Plan Act, as well as

laws relating to savings and loan associations,

ﬁnancial exploitation, and the Uniform Commercial

Code.

LB 363 provided these substantive updates to the

laws governing the institutions and entities under the

Department’s Financial Institutions Division.

 Within the Nebraska Banking Act, Section 8-163,

governing the calculation of dividends, was

amended to replace the references to ‘undivided

proﬁts on hand’ and ‘net proﬁts on hand’ with

‘retained net earnings’ and to clearly deﬁne that

term by basing it on an existing report that already

includes the calculation of net income.

Department examiners had reported violations of

this statute that occurred because the existing

deﬁnition of ‘net proﬁts on hand’ was

misinterpreted.

 The Trust Company Act was revised to update

provisions related to an institution’s board of

directors. Information is now required to be

submitted on proposed board members as part of

a charter application; the President of the trust

company must be a member of the board; and

clariﬁcation that any person appointed to ﬁll a

vacancy on the board requires approval of the

Department was included. These revisions mirror

provisions in the Nebraska Banking Act.

 Signiﬁcant amendments were made to the

Nebraska Money Transmitters Act to reﬂect the

growth and progression of the money transmitter

industry since 2014 (when the Act replaced the

Nebraska Sale of Checks and Funds

Transmission Act) and to provide the Department

with additional administrative tools. These

changes provided.

 An exemption for collection agencies, credit

services organizations, and debt

management businesses licensed by the

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 12



A Year In Review

Nebraska Secretary of State acting within the

scope of those licenses, from licensing under

the Act, in order to eliminate a dual regulatory

burden.

 Clariﬁcation that a license is required for

persons providing money transmission services

to a Nebraska resident even if the resident is

not physically present in Nebraska at the time

of the transaction. This amendment was

primarily intended to protect persons serving in

the military, wherever stationed, and will assist

Nebraskans who use a money transmitter

service while out of the state.

 A requirement that licensees place customer

funds in banks that carry federal deposit

account insurance, which eliminated the risk

that licensees could hold client funds in

uninsured institutions.

 Requirements that a licensee must be

organized, and have a physical location, in the

United States and its territories, and submit

ﬁnancial statements for key shareholders. At

the same time, a requirement that licensees

submit a locations report as part of the annual

renewal process was repealed.

 Additional investigative authority to the

Department; established a 21-Day response

deadline for notices of investigation and

inquiries from NDBF and authorized a $2,000/

day ﬁne for failure to respond; and provided for

a lien and civil action if the ﬁne is not paid.

 The Installment Sales Act was amended to revise

the deﬁnition of “sales ﬁnance company” to include

parties that acquire any rights of ownership,

servicing, managing, participating or otherwise

engaging with a consumer on behalf of the

purchaser of the installment sales contracts from

one or more sellers, and to require that a licensee

increase its surety bond by $50,000 for each branch

oﬃce licensed in Nebraska.

 The Installment Loan Act was similarly amended to

require a license for parties who acquire any rights

of ownership, or who service, manage, participate in,

or otherwise hold an installment loan or engage in

business with an installment loan borrower. This

amendment and the similar amendment in the

Installment Sales Act reﬂect the evolution of these

industries from one entity handling a transaction

from beginning to end.

 The re-enactment of the depository ﬁnancial

institutions “wild card” statutes to provide equal

rights, powers, privileges, beneﬁts, and immunities

for state-chartered banks, savings and loans, and

credit unions, with their respective federal

counterparts, as of January 1, 2021. Due to state

constitutional restrictions, these statutes are

amended annually.

LB 363 provided a substantive update to the Securities

Act of Nebraska, which is administered by the

Department’s Securities Bureau, with an amendment to

Section 8-1109.02 of the Act. The amendment provides

authority to the Department to cure late ﬁling of notices

for the sale of federal covered securities under section

18(b)(4) of the federal Securities Act of 1933, known as

federal Rule 506 ﬁlings. The amendment authorizes the

Director of the Department to issue an order curing the

late ﬁling and requires the payment of a late fee in

addition to the initial ﬁling fee. A cure process permits

issuers to continue to use an exemption originally relied

on and provides a more effective and eﬃcient means to

do business in Nebraska while allowing Nebraskans

additional opportunities to purchase securities.

LB 297 was introduced on behalf of the Department by

Senator Brett Lindstrom, Vice-Chair of BCI, to address

ﬁnancial exploitation in the securities area. LB 297

provides for a voluntary reporting structure for broker-

dealers, investment advisers, and other qualiﬁed

persons to notify the Department or Adult Protective

Services when they reasonably believe that a senior

adult or vulnerable adult is the victim of ﬁnancial

exploitation. LB 297 further authorizes broker-dealers

and investment advisers to hold transactions and

disbursements when the ﬁrm reasonably believes that

the senior adult or vulnerable adult is the victim of

ﬁnancial exploitation. Deputy Director Claire McHenry

discusses LB 297 in more detail in her review. LB 297

carried an operative date of August 28, 2021.

We appreciate the efforts of Senator Williams, Senator

Lindstrom, and Committee Counsel Bill Marienau in

enacting the Department’s proposals.

Director Kelly Lammers testiﬁed in a neutral position on

LB 649, which adopted the Nebraska Financial

Innovation Act creating digital asset depository

institutions and providing for the chartering, operation,

and regulation of such institutions. The Department is

the designated supervisor of these new ﬁnancial

institutions. LB 649 also allows all state-chartered

banks, with prior Department approval, to provide

custodial services for controllable electronic records

within a digital asset department within the bank.

Corresponding amendments to the Nebraska Banking

Act and the Nebraska Money Transmitters Act were

included in the bill. LB 649 becomes effective October

1, 2021. The Department will be adopting rules, forms,

and procedures as it implements the new Act.

The Department anticipates requesting legislative

updates in the 2022 session.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 13



A Year In Review

Retirements

A huge Thank You! to Department staff who retired this ﬁscal year:

Financial Institutions Counsel Michael W. McDannel retired on September 3, 2020,

after more than thirty-one years of service to the Department. Mike’s strong work

ethic and dedication to the ﬁnancial protection of Nebraska citizens will long be

remembered.

Director Mark Quandahl retired September 7, 2020, having been appointed Director

in 2015. Mark led the implementation of the Department’s mission and vision and

initiated the streamlining of Department processes and the reduction of the

regulatory burden on Nebraska’s ﬁnancial industries.

Senior Examiner Perry Neill retired on December 23, 2020, completing more than

thirty-six years with the Department. Perry examined banks in central and western

Nebraska for the entirety of his career and mentored many new examiners.

In Memoriam

Charles W. Mitchell, former Deputy Director of the Department, passed away November 17, 2020, at

94 years of age. Known to Department staff and many in the ﬁnancial industries as “Mitch,” he was

a WWII U.S. Navy veteran and a graduate of Nebraska Wesleyan University. Mitch served as Deputy

Director for many of his thirty years with the Department and was Acting Director in 1979. Mitch

retired from the Department in 1985. The Department extends condolences to his wife, Betty, two

sons, three daughters, seven grandchildren and seven great-grandchildren.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 14



Department Budget & Funding

Fiscal Year July 1, 2020—June 30, 2021

The Department is fully funded by fees received from the

industries it regulates. Fees are deposited in two funds

with one used for supervision by the Financial Institutions

Division and the other by the Bureau of Securities.

The Financial Institutions fund receives most of its reve-

nue from an annual assessment based on assets and ex-

amination fees. The Bureau of Securities is funded

through fees from the registration of securities and the

licensing of securities industry personnel.

Financial Institutions



Revenues

Beginning Balance 1,957,497

Banking & Trust Companies 4,748,549

Credit Unions &

Savings and Loan

117,991

Mortgage Lending 1,352,290

Money Transmitters 62,225

Delayed Deposit Services 13

Consumer Lending 36,841

Total Revenues for Fiscal Year 6,317,908

Expenditures

Employee Salaries & Beneﬁts 4,621,613

Operating Expenses 725,258

Capital Expenditures 51,980

Total Expenditures for Fiscal Year 5,398,851

Ending Balance 2,876,554

Costs collected from enforcement cases 6,388

Monies secured for the School Fund 35,700

Bureau of Securities



Revenues

Beginning Balance 2,205,264

Securities and Registration Fees 27,255,574

Private Offering Fees 140,800

Broker-Dealer/Broker-Dealer Agents/

Investment Adviser Fees

6,526,470

Interest Income 98,489

Cost of Investigations 2,000

Miscellaneous 860

Total Revenues for Fiscal Year 34,024,193

Expenditures

Employee Salaries & Beneﬁts 1,259,533

Operating Expenses 313,039

Capital Expenditures 51,980

Total Expenditures for Fiscal 1,624,552

Monies transferred to the State of

Nebraska General Fund

25,900,000

Ending Balance 8,704,905

Monies secured for the School Fund 3,000

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 15



Financial Institutions Division

By the Numbers

Financial Institutions 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021

State-Chartered Banks 163 158 156 153 147 146

Savings & Loan Associations 0 0 0 0 0 0

Credit Unions 14 13 13 12 12 11

Trust Companies 4 4 4 4 4 4

Delayed Deposit Services 87 80 75 74 65 19

Installment Loan Companies 10 13 13 2 3 4

Sales Finance Companies 94 139 139 92 97 98

Mortgage Bankers 353 374 385 369 391 426

Mortgage Loan Originators 2,693 3,396 3,900 3,319 3,893 5,471

Money Transmitters 83 93 104 125 133 162

Numbers include main oﬃces only.

Conversion to State-Chartered Bank 2 Loan Production Oﬃce Notices Received 9

Bank Mergers Approved 4 Bank Branch Relocations Approved 0

Credit Union Mergers Approved 1 Name Changes 2

Bank Branch Acquisitions Approved 0 Bank Closings 0

New Bank Branch Oﬃces Approved 10 Trust Charter Cancellations 0

Activity by the Institutions—Fiscal Year 2021

Activity by the Numbers—Fiscal Year 2021

Former Institution Current Institution City Date of Conversion

Midwest Bank, N.A. Midwest Bank Pierce 6/30/2021

Conversion to State-Chartered Bank

NebraskaLand National Bank NebraskaLand Bank North Platte 6/30/2021

Bank Mergers

Institution Bank Acquired Approved

Cornerstone Bank, York, NE The Bank of Tilden, Tilden 9/23/2020

First State Bank Nebraska, Lincoln, NE Plattsmouth State Bank, Plattsmouth 11/9/2020

Tri Valley Bank, Talmage, NE Eagle State Bank, Eagle 9/28/2020

Homestead Bank, Cozad, NE First National Bank of Chadron, Chadron 4/6/2021

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 16



Loan Production Oﬃce Notices Received

Institution City Location Date Received

First Nebraska Bank Valley Norfolk 8/17/2020

Five Points Bank Grand Island Norfolk 8/24/2020

Security First Bank Lincoln Lincoln 8/31/2020

CharterWest Bank West Point LaVista 9/28/2020

Platte Valley Bank Scottsbluff Alliance 2/16/2021

Platte Valley Bank Scottsbluff Chadron 2/16/2021

CharterWest Bank West Point Council Bluffs, IA 2/26/2021

Elkhorn Valley Bank & Trust Norfolk Yankton, SD 2/26/2021

Dundee Bank Omaha Council Bluffs, IA 5/4/2021

Move of Charter and Main Oﬃce

Institution City Location Approved

Frontier Bank Omaha Omaha 9/22/2020

New Bank Branch Oﬃce

Institution City Location Approved

Core Bank Omaha Papillion 9/4/2020

Bank of the Valley Bellwood Schuyler 11/19/2020

West Gate Bank Lincoln Omaha 12/11/2020

Citizens State Bank Wisner Mobile (Cass County) 1/12/2021

Platte Valley Bank Scottsbluff Alliance 4/22/2021

Platte Valley Bank Scottsbluff Chadron 4/22/2021

Elkhorn Valley Bank & Trust Norfolk Yankton, SD 5/4/2021

Five Points Bank

Grand Is-

land

Elkhorn 6/9/2021

FirsTier Bank Kimball Cheyenne, WY 6/21/2021

Riverstone Bank Talmage Syracuse 6/30/2021

Branch Acquisitions

Institution City Location Approved

None

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 17



Institutions

Number

6/30/2020

Number

6/30/2021

Assets

6/30/2020

Assets

6/30/2021

Gain (Loss)

State-Chartered Commercial

Banks

147 146 $48,094,176,000 $55,094,981,000 $7,000,805,000

Credit Unions 12 11 $782,519,196 $897,100,340 $114,681,144

Trust Companies 4 4 *$10,651,213 $12,397,394 $1,746,181

Financial Institutions Total Resources

Bank Branch Oﬃce Relocations

Institution City Branch Relocation Approved

None

Loan Production Oﬃce Relocations

Institution City LPO Relocation Date Received

Tri Valley Bank Talmage Syracuse 1/6/2021

CharterWest Bank West Point Council Bluffs, IA 6/14/2021

CharterWest Bank West Point McCook 6/23/2021

Name Changes

Prior Name of Institution Current Name City Approved

Tri Valley Bank Riverstone Bank Talmage 12/23/2020

Bank of Bennington i3 Bank Bennington 5/17/2021

Bank Closings

Name of Institution Location Date Closed

None

New Trust Company

Institution City Approved

None

Trust Charter Oﬃce Relocations—Same City

Institution City Approved

Bridges Trust Company Omaha 9/30/2020

New Trust Branch Oﬃces

Institution City Branch Relocation Approved

None

Credit Union Mergers

Institution Credit Union Acquired Approved

First Nebraska Credit Union, Omaha, NE Construction Industries Credit Union, Lincoln, NE 5/26/2021

New Credit Union Branch Oﬃces

Institution City Branch Location Approved

None

*Amended from previous ﬁscal year.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 18



6/30/2019 6/30/2020 6/30/2021

Number of Institutions 153 147 146

Number of Employees 7,941 7,962 8,405

ASSETS: (Dollar amounts in thousands)

Non-Interest Bearing Balances 685,764 846,873 915,085

Interest Bearing Balances 1,555,901 3,052,323 4,521,248

Securities 6,573,356 7,274,265 11,200,169

Federal Funds Sold & Securities Purchased to Resell 243,830 508,926 444,866

Loans and Leases 31,126,335 34,794,261 36,247,335

Allowance for Loan Losses 444,957 502,141 556,791

Loan and Leases, Net 30,681,378 34,292,120 35,690,544

Assets held in Trading Accounts 24 86 91

Premises and Fixed Assets 635,206 696,127 823,839

Other Real Estate Owned 31,246 28,346 25,312

Intangible Assets 256,033 268,278 278,430

Other Assets, Net 965,779 1,126,832 1,195,397

Total Assets & Losses Deferred $41,628,517 $48,094,176 $55,094,981

LIABILITIES: (Dollar amounts in thousands)

Deposits

Domestic Non-Interest Bearing Deposits 5,275,045 6,668,792 8,871,426

Domestic Interest Bearing Deposits 28,821,996 32,737,499 37,704,169

Total Domestic Deposits 34,097,041 39,406,291 46,575,595

Federal Funds Purchased & Securities Sold 361,769 608,408 447,772

Other Borrowed Money 2,176,130 2,587,506 1,928,720

Mortgage Indebtedness 0 0 0

Notes and Debentures 0 0 0

Other Liabilities 242,492 398,676 341,915

Total Liabilities $36,877,432 $43,000,881 $49,294,002

EQUITY CAPITAL

Perpetual Preferred Stock 20,300 20,300 20,300

Common Stock 125,736 124,061 123,628

Surplus 2,106,534 2,244,748 2,573,598

Undivided Proﬁts 2,498,515 2,704,186 3,083,453

Other Equity Capital Components 0 0 0

Total Equity Capital 4,751,085 5,093,295 5,800,979

Total Liabilities & Equity Capital $41,628,517 $48,094,176 $55,094,981

STATE-CHARTERED COMMERCIAL BANKS’ AGGREGATE BALANCE SHEET

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 19



Nebraska has adopted a deposit cap as set forth in the Nebraska Bank Holding Company Act. Section 8-910 provides

that a holding company may not acquire a bank or banks in Nebraska if the deposits held in Nebraska would be in an

amount greater than 22 percent of the total deposits of all banks in Nebraska plus the total deposits, savings accounts,

passbook accounts, and shares in savings and loan associations and building and loan associations in Nebraska as de-

termined by the Director of the Department on the basis of the most recent mid-year reports.

Total deposits for all banks and savings and loan associations in Nebraska as of June 30, 2021, were $79,855,820,000.

The number was taken from a Federal Deposit Insurance Corporation compilation.

The 22% limitation contained in Section 8-910(2)(c), as of June 30, 2021, would be:

$79,855,820,000

x .22

$17,568,280,400

Deposit Limitations

STATE OF NEBRASKA

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 20



The Single Bank Pooled Collateral Program (SBPC) was authorized by legislative bill (LB) 622 in 2020. The bill was

signed into law and became effective as of July 1, 2020. The bill revised portions of the Public Funds Deposit Security

Act (Neb. Rev. Stat. §§77-2386 – 77-23, 108) to provide ﬁnancial institutions an alternate means by which to secure

public funds held on deposit. In contrast to the dedicated method of pledging securities directly to individual public

entities, the SBPC allows ﬁnancial institutions to pledge a pool of securities to all public deposits held in excess of the

FDIC insurance limits.

LB622 authorized the Department to appoint an administrator for the SBPC. In May of 2020, the Department appointed

Nebraska Bankers Insurance and Services Company (NBISCO) as the program administrator. NBISCO’s appointment

runs through June 30, 2022. The appointment may be renewed for an additional three, two-year terms.

The SBPC began accepting participating ﬁnancial institutions as of July 1, 2020. Since that date, the program has grown

from two participants to 16. Total public deposits in the program have grown from $138,725,000 to $1,144,138,000 over

the period.



The Single Bank Pooled Collateral

Program

STATE OF NEBRASKA

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 21



State Bank

Access Bank Omaha

State Bank 8712 West Dodge Road

Omaha, NE 68114-3459

School

Branch

LaVista West Elementary

LaVista, NE 68128

School

Branch

Bell Elementary School

Papillion, NE 68048

School

Branch

Prairie Queen Elementary School

Papillion, NE 68048

Mobile

Branch

Douglas & Sarpy Counties

Omaha, NE

Branch 1941 South 42nd Street

Omaha, NE 68105

Branch 7223 South 84th Street

LaVista, NE 68128

Branch 2710 South 140th Street

Omaha, NE 68144

Branch 774 Olson Drive

Papillion, NE 68046

Branch 203 North 180th Street

Omaha, NE 68022

Adams Bank & Trust Ogallala

State Bank 315 N. Spruce Street

Ogallala, NE 69153-0720

School

Branch

Chase County Schools

Imperial, NE 69033

School

Branch

Creek Valley Schools

Chappell, NE 69129

Mobile

Branch

El Paso County

Colorado Springs, CO

Branch 265 Cheyenne Mountain

Boulevard East

Colorado Springs, CO

Branch 1310 Garden of the Gods Road

Colorado Springs, CO 80907

Branch 7800 South College Avenue

Fort Collins, CO 80525

Branch 8308 Weld County Road 13

Firestone, CO

Branch 641 2nd Street

Chappell, NE 69129

Branch 205 N. 4th Street

Indianola, NE 69034

Branch 202 State Street

Brule, NE 69127-0156

Branch 121 South Jeffers Street

North Platte, NE 69103-0189

Branch Main Street

Lodgepole, NE 69149

Branch 131 Walnut

Sutherland, NE 69165-0157

Branch Perkins Avenue

Madrid, NE 69150-0098

Branch 545 Broadway

Imperial, NE 69033-0279

Branch 150 Central Avenue

Grant, NE 69140-0160

Branch 310 Mountain Avenue

Berthoud, CO 80513

Branch 10 Ken Pratt Boulevard

Longmont, CO 80501

Branch 3221 South Jeffers Street North

Platte, NE 69101

Branch 1005 So. Range Ave., Suite 300

Colby, KS 67701

Branch 519 West Main Street #B

Sterling, CO 80751

Branch 148 Remington Street, Suite 101

Fort Collins, CO 80524

Adams County Bank Kenesaw

State Bank 401 N. Smith Avenue

Kenesaw, NE 68956

Branch 1307 North Brass Avenue

Juniata, NE 68955

Adams State Bank Adams

State Bank 649 Main Street

Adams, NE 68301

School

Branch

Freeman Public School

Adams, NE 68301

American Exchange Bank Elmwood

State Bank 151 North 4th Street

Elmwood, NE 68349

Branch 440 D Street

Eagle, NE 68347-0407

American Interstate Bank Elkhorn

State Bank 3331 North 204th Street

Elkhorn, NE 68022

Branch 15909 West Maple Road

Omaha, NE 68116

Arbor Bank Nebraska City

State Bank 911 Central Avenue

Nebraska City, NE 68410-0429

Branch 301 Oakland Avenue

Oakland, IA 51560

Branch 716 Illinois

Sidney, IA 51652

Branch 16949 Lakeside Hills Plaza

Omaha, NE 68130

Branch 18924 Evans St.

Omaha, NE 68022

Loan

Production

Office

17117 Burt Street

Omaha, NE 68118

Ashton State Bank Ashton

State Bank 295 Center Avenue

Ashton, NE 68817

Auburn State Bank Auburn

State Bank 1212 J Street

Auburn, NE 68305

Bank of Clarks Clarks

State Bank 301 N. Green Street

Clarks, NE 68628-0125

Branch 201 Vine Street

Silver Creek, NE 68663

Bank of Dixon County Ponca

State Bank 117 E. 3rd Street

Ponca, NE 68770-0570

Branch 218 East Elk Street

Jackson, NE 68743

Branch 412 Main Street

Newcastle, NE 68757

State Bank 118-120 Plum Street

Doniphan, NE 68832-0270

Branch 800 North Burlington

Hastings, NE 68901

Branch 1010 Diers Avenue

Grand Island, NE 68803

Bank of Doniphan Doniphan

Bank of Elgin Elgin

State Bank 101 N. 2nd Street

Elgin, NE 68636-0379

Bank of Hartington Hartington

State Bank 229 N. Broadway

Hartington, NE 68739-0077

Loan

Production

Office

25411 Park Avenue

Niobrara, NE 68760

Branch 304 North Broadway

Hartington, NE 68739

Loan

Production

Office

120 N. Broadway

Bloomfield, NE 68718

Bank of Lewellen Lewellen

State Bank 302 Main Street

Lewellen, NE 69147

Bank of Lindsay Lindsay

State Bank 102 Pine Street

Lindsay, NE 68644

Bank of Mead Mead

State Bank 322 South Vine

Mead, NE 68041-0155

Branch 245 N. Elm

Mead, NE 68041

Bank of Newman Grove Newman Grove

State Bank 416 Hale Avenue

Newman Grove, NE 68758

Bank of Orchard Orchard

State Bank 145 E. 2nd Street

Orchard, NE 68764

Bank of Prague Prague

State Bank 316 W. Center Avenue

Prague, NE 68050-0128

Bank of the Valley Bellwood

State Bank 404 State Street

Bellwood, NE 68624

School

Branch

Bellwood Public School

Bellwood, NE 68624

School

Branch

David City Elementary School

David City, NE 68632

School

Branch

St. Mary's School

David City, NE 68632

School

Branch

Platte Center Elementary

Platte Center, NE 68653

School

Branch

Shell Creek Elementary

Columbus, NE 68601

School

Branch

Humphrey St. Francis

Humphrey, NE 68642

School

Branch

Humphrey Public

Humphrey, NE 68642

School

Branch

St. Isidore School

Columbus, NE 68601

Branch 103 4th Street

Platte Center, NE 68653

Branch 1855 North Fourth Street

David City, NE 68632

Branch 3235 47th Street

Columbus, NE 68601

Branch 502 5th Street

David City, NE 68632

Branch 100 S. 3rd Street

Humphrey, NE 68642

STATE-CHARTERED BANKS (for the period ending June 30, 2021)

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 22



STATE-CHARTERED BANKS (continued)

BankFirst Norfolk

State Bank 100 N. 13th Street

Norfolk, NE 68701

Branch 121 North 27th Street

Ord, NE 68862

Branch 313 East Highway 20

O'Neill, NE 68763

Loan

Production

Office

6800 South 32nd Street

Lincoln, NE 68516

Branch 1211 Riverside Boulevard

Norfolk, NE 68701

Branch 920 South 13th Street

Norfolk, NE 68701

Branch 220 West 7th Street

Wayne, NE 68787

Branch 2530 23rd Street

Columbus, NE 68601

Branch 1371 26th Avenue

Columbus, NE 68601

Branch 127 East Walnut

West Point, NE 68788

Branch 2021 Dakota Avenue

South Sioux City, NE 68776

Branch 402 Main Street

Wakefield, NE 68784

Branch 902 10th Street

Onawa, IA 51040

Branch 2401 Hamilton

Sioux City, IA 51104

Branch 3119 Floyd Boulevard

Sioux City, IA 51104

Branch 3410 Singing Hills Boulevard

Sioux City, IA 51106

Banner Capital Bank Harrisburg

State Bank 205 State Street

Harrisburg, NE 69345

Branch 401 9th Street

Beaver City, NE 68926

Branch 512 Main Street

Alma, NE 68920

Branch 4007 Greenway Street

Cheyenne, WY 82001

Branch 17 N. Wyoming

Guernsey, WY 82204

Loan

Production

Office

1555 Gilchrist

Wheatland, WY 82201

Battle Creek State Bank Battle Creek

State Bank 202 W. Main Street

Battle Creek, NE 68715-0308

Boelus State Bank Boelus

State Bank 523 Delaware Street

Boelus, NE 68820-0233

Bruning Bank Bruning

State Bank 104 E. Main Street

Bruning, NE 68322-0100

Branch 252 South 13th Street

Hebron, NE 68370

Branch 1215 Burlington

Holdrege, NE 68949

Branch 803 South D Street

Broken Bow, NE 68822

Branch 1110 17th Avenue

Kearney, NE 68847

Branch 314 Nippell Street

Winnetoon, NE 68789

Butte State Bank Butte

State Bank 510 Thayer Street

Butte, NE 68722-0028

Branch 425 Hillcrest Boulevard

Spencer, NE 68777

Cattle Bank & Trust Seward

State Bank 104 South 5th Street

Seward, NE 68434

School

Branch

Cattle Bank & Trust—Roper

Elementary Branch

Lincoln, NE 68522

School

Branch

Cattle Bank & Trust—The Arnold

Branch

Lincoln, NE 68524

Branch 405 North Fifth Street

Seward, NE 68434

Branch 6550 Merchant Drive

Lincoln, NE 68521

Cedar Rapids State Bank Cedar Rapids

State Bank 213 W. Main Street

Cedar Rapids, NE 68627-0158

Branch 124 W. St. Joseph Street

Spalding, NE 68665

Loan

Production

Office

7101 Stone Drive

Daphne, AL 36526

Loan

Production

Office

1508 JFK Drive, Ste 201

Bellevue, NE 68005

Cedar Security Bank Fordyce

State Bank 117 Main Street

Fordyce, NE 68736

Branch 309 South Robinson Street

Hartington, NE 68739

Branch 411 St. James Ave

Wynot, NE 68792

CerescoBank Ceresco

State Bank 130 West Elm Street

Ceresco, NE 68017-0036

Chambers State Bank Chambers

State Bank 104 E. Main Street

Chambers, NE 68725

Branch 220 E. Nebraska Street

Ewing, NE 68735

CharterWest Bank West Point

State Bank 201 South Main Street

West Point, NE 68788

Branch 610 4th Street

Pender, NE 68047

Loan

Production

Office

3100 23rd Street, Suite 25

Columbus, NE 68601

Branch 1404 Pine Lake Road

Lincoln, NE 68512

Loan

Production

Office

714 N. Diers Avenue

Grand Island, NE 68803

Branch 141 East Grove

West Point, NE 68788

Branch 308 Main Street

Walthill, NE 68067

Loan

Production

Office

2121 N. Webb Rd., Suite 202

Grand Island, NE 68803

Loan

Production

Office

704 East Side Blvd.

Hastings, NE 68901

Branch 20041 Manderson Street

Elkhorn, NE 68022

Branch 7404 Olson Drive

Papillion, NE 68046

Loan

Production

Office

4511 2nd Avenue, Suite 207

Kearney, NE 68847

Loan

Production

Office

4750 Normal Blvd.

Lincoln, NE 68506

Loan

Production

Office

2901 S. 84th Street, Suite 10

Lincoln, NE 68506

Loan

Production

Office

116 West E Street

McCook, NE 69001

Loan

Production

Office

4604 S. 25th Street

Omaha, NE 68107

Loan

Production

Office

12121 McDermott Plaza

LaVista, NE 68128

Loan

Production

Office

14451-14543 W. Center Road,

Suite 9

Omaha, NE 68144

Loan

Production

Office

500 Willow Avenue Suite 204

Council Bluffs, IA 51503

Citizens Bank & Trust Company in St. Paul

St. Paul

State Bank 721 7th Street

St. Paul, NE 68873-2032

Branch 650 P Street

Loup City, NE 68853

Branch 1634 16th Street

Central City, NE 68826

Citizens State Bank Carleton

State Bank 209 Third Street

Carleton, NE 68326

Citizens State Bank Wisner

State Bank 921 Ave E

Wisner, NE 68791

School

Branch

Wisner-Pilger Elementary

Wisner, NE 68791

Mobile

Branch

Sarpy and Douglas Counties

Papillion, NE

Mobile

Branch

Madison County

Creston, NE

Mobile

Branch

Cedar, Dixon, Wayne and Pierce

Counties

Laurel, NE

Mobile

Branch

Fillmore, Saline and Seward

Counties

Friend, NE

Mobile

Branch

Boone, Greeley and Wheeler

Counties

Spalding, NE

Mobile

Branch

Colfax and Platte Counties

Leigh, NE

Mobile

Branch

Cuming and Stanton Counties

Wisner, NE

Mobile

Branch

Cass County

Plattsmouth, NE 68048

Branch 109 East Sherman

West Point, NE 68788

Branch 201 South Hwy 20

Laurel, NE 68745

Branch 203 Main Street

Leigh, NE 68643

Branch 121 N. Chestnut Street

Spaulding, NE 68665

Brunswick State Bank Brunswick

State Bank 226 2nd Street

Brunswick, NE 68720-0029

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 23



STATE-CHARTERED BANKS (continued)

City Bank & Trust Co. Lincoln

State Bank 2929 Pine Lake Road

Lincoln, NE 68516

Branch 940 P Street

Lincoln, NE 68508

Branch 3900 Pine Lake Road

Lincoln, NE 68516

Branch 4225 Lucille Drive

Lincoln, NE 68502

Branch 1135 Main Street

Crete, NE 68333

Loan

Production

Office

7101 S. 82nd Street

Lincoln, NE 68516

Clarkson Bank Clarkson

State Bank 243 Pine Street

Clarkson, NE 68629-0080

Columbus Bank & Trust Company Columbus

State Bank 2501 13th Street

Columbus, NE 68601-4913

Branch 118 23rd Street, Suite 100

Columbus, NE 68601

Commercial Bank Nelson

State Bank 401 S. Main Street

Nelson, NE 68961-0388

Loan

Production

Office

145 South 10th Street

Geneva, NE 68361

Commercial State Bank Republican City

State Bank 20 Circle Drive

Republican City, NE 68971-0067

Commercial State Bank Wausa

State Bank 519 E. Broadway

Wausa, NE 68786-0179

Branch 617 Central Avenue

Nebraska City, NE 68410

Branch 1918 N. 203rd Street

Elkhorn, NE 68022

Loan

Production

Office

123 North Broadway Street

Bloomfield, NE 68718

Community First Bank Maywood

State Bank 122 S. Commercial Street

Maywood, NE 69038-0045

School

Branch

Tiger Branch of

Community First Bank

Maywood, NE 69038

Branch 306 Pine Street

Big Springs, NE 69122

Branch 338 Main Street

Trenton, NE 69044

Branch 324 Main Street

Stapleton, NE 69163

Branch 410 East Francis

North Platte, NE 69101

Branch 127 W. Main Street

Cedar Bluffs, NE 68015

Core Bank Omaha

State Bank 12100 West Center Road

Omaha, NE 68144

Mobile

Branch

Douglas County

Omaha, NE

Mobile

Branch

Saunders County

Omaha, NE

Mobile

Branch

Otoe County

Douglas, NE

Branch 16805 Q Street

Omaha, NE 68135

Branch 2545 South 180th Street

Omaha, NE 68130

Branch 13220 Birch Drive

Omaha, NE 68164

Branch 12100 West Center Road

Omaha, NE 68144

Branch 7400 College Boulevard

Overland Park, KS 66210

Corn Growers State Bank Murdock

State Bank 333 Nebraska Street

Murdock, NE 68407

Cornerstone Bank York

State Bank 529 North Lincoln Avenue

York, NE 68467

Branch 302 N. Clay Street

Harvard, NE 68944

Branch 119 "C" Street

Shelton, NE 68876

Branch 100 West 6th Street

Davenport, NE 68335

Branch 211 Winters Avenue

Glenvil, NE 68941

Branch 101 West Elm Street

Sutton, NE 68979

Branch 317 Beaver Street

St. Edward, NE 68660

Branch 1206 13th Street

Aurora, NE 68818

Branch 520 Lincoln

Bradshaw, NE 68319

Branch 1631 16th Street

Central City, NE 68826

Branch 1727 23rd Street

Columbus, NE 68601

Branch 3304 16th Street

Columbus, NE 68601

Branch 818 East 23rd Street

Columbus, NE 68601

Branch 1141 G Street

Geneva, NE 68361

Branch 2250 North Diers Avenue

Grand Island, NE 68801

Branch 3501 South Locust Street

Grand Island, NE 68801

Branch 409 A Street

Hampton, NE 68843

Branch 916 North Main Street

Henderson, NE 68371

Branch 100 E. 2nd St.

Tilden, NE 68781

Branch 709 Peabody

Creighton, NE 68729

Branch 604 Main Street

Clearwater, NE 68726

Branch 3511 South Lincoln Avenue

York, NE 68467

Branch 528 Grant Avenue

York, NE 68467

Branch 840 North Diers Avenue

Grand Island, NE 68803

Branch 240 South 3rd Street

Albion, NE 68620

Branch 103 South Brown Ave

Clay Center, NE 68933

Branch Main Street

Polk, NE 68654

Branch Third & Main Streets

Bartlett, NE 68622

Branch 402 Marquis Avenue

Marquette, NE 68854

Branch 401 University Avenue

Guide Rock, NE 68942

Branch 307 North "C" Street

Edgar, NE 68935

Branch 211 Rock Bluff Road

Beaver Lake, NE 68048

Branch 1502 M Street

Franklin, NE 68939

Branch 133 Commercial Avenue

Hildreth, NE 68947

Branch 102 W. Main Street

Murray, NE 68409

Branch 404 W. 1st Street

North Loup, NE 68859

Branch 102 West Sapp

Wilcox, NE 68982

Branch 147 Center Avenue

Malmo, NE 68040

Cornhusker Bank Lincoln

State Bank 8310 "O" Street

Lincoln, NE 68510

Branch 5600 Pioneers Boulevard

Lincoln, NE 68506

Branch 5701 South 34th Street Ste 100

Lincoln, NE 68516

Loan

Production

Office

7575 South 57th Street

Lincoln, NE 68516

Branch 5700 Fremont Street

Lincoln, NE 68504

Branch 5555 South Street

Lincoln, NE 68506

Branch 7200 Van Dorn

Lincoln, NE 68506

Branch 6100 Apple’s Way

Lincoln, NE 68516

Branch 234 Pine Street

Creston, NE 68631

Branch 150 Maple Street

Friend, NE 68359

Branch 754 Gold Coast Drive

Papillion, NE 680146

Branch 2020 W. Eighth Avenue

Plattsmouth, NE 68046

Branch 120 N. 6th

Plattsmouth, NE 68048

Branch 260 Garhan Avenue

Rising City, NE 68658

Branch 400 Main Street

Stromsburg, NE 68666

Branch 902 South Saunders Avenue

Sutton, NE 68979

Branch Midland Street

Waco, NE 68460

Branch 101 David Drive

York, NE 68467

Branch 1730 Lincoln Avenue

York, NE 68467

Branch Main Street

Monroe, NE 68647

Branch 401 East M Street

McCool Junction, NE 68401

Community State Bank Colon

State Bank 102 Spruce Street

Colon, NE 68018-0004

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 24



STATE-CHARTERED BANKS (continued)

Custer Federal State Bank Broken Bow

State Bank 341 South 10th Avenue

Broken Bow, NE 68822

Branch 1305 East 56th Street

Kearney, NE 68847

Dundee Bank Omaha

State Bank 5015 Underwood Avenue

Omaha, NE 68132

School

Branch

All Saints Catholic School

Omaha, NE 68108

School

Branch

Holy Name School

Omaha, NE 68132

Branch 2739 N. 61st Street

Omaha, NE 68104

Branch 302 S. 38th Street

Omaha, NE 68132

Loan

Production

Office

8026 W. Dodge Road

Omaha, NE 68114

Loan

Production

Office

760 W. Gold Coast Rd.,

Suite 109

Papillion, NE 68046

Loan

Production

Office

3717 Harney Street

Omaha, NE 68131

Loan

Production

Office

16909 Lakeside Hills Plaza

Omaha, NE 68130

Loan

Production

Office

15606 Elm St., #102

Omaha, NE 68130

Loan

Production

Office

4949 Underwood Avenue

Omaha, NE 68132

Loan

Production

Office

424 South 8th Avenue

Broken Bow, NE 68822

Loan

Production

Office

229 S. Main Street

Council Bluffs, IA 51503

Elkhorn Valley Bank & Trust Norfolk

State Bank 800 West Benjamin Avenue

Norfolk, NE 68702

Branch 120 East Norfolk Avenue

Norfolk, NE 68702-1007

Branch 1010 Omaha Avenue

Norfolk, NE 68702-0187

Branch 105 S. 2nd Street

Pierce, NE 68767

Branch 2107 Taylor Avenue

Norfolk, NE 68701

Branch 411 East 7th Street

Wayne, NE 68787

Branch 404 S. 25th Street

Norfolk, NE 68701

Mobile

Branch

Wayne County

Wayne, NE

Equitable Bank Grand Island

State Bank 113 N. Locust St.

Grand Island, NE 68802-0160

Branch 619 N. Diers Avenue

Grand Island, NE 68803

Branch 920 S. Jeffers Street

North Platte, NE 69101

Branch 10855 W. Dodge Rd.

Omaha, NE 68154

Exchange Bank Kearney

State Bank 3110 2nd Avenue

Kearney, NE 68847

Branch 1204 Allen Drive

Grand Island, NE 68803

Branch 939 South Locust Street

Grand Island, NE 68801

Loan

Production

Office

322 Houston Street, Suite 111

Manhattan, KS 66503

Branch 14 LaBarre Street

Gibbon, NE 68840

Branch 7655 Pioneers Blvd.

Lincoln, NE 68506

Branch 1720 South Ohio

Salina, KS 67501

Branch 702 North Washington Street

Junction City, KS 66441

Branch 8008 West Dodge Rd.

Omaha, NE 68847

F & M Bank West Point

State Bank 204 North Main Street

West Point, NE 68788

Branch 321 Main Street

Wayne, NE 68787

Branch 2024 Dakota Avenue

South Sioux City, NE 68776

Branch 11504 Willow Park Drive

Gretna, NE 68028

Branch 3300 Plaza Drive

South Sioux City, NE 68776

Branch 930 3rd Street

Sioux City, IA 51101

F&M Bank Falls City

State Bank 1701 Stone Street

Falls City, NE 68355

Branch 1502 Harlan Street

Falls City, NE 68355

Farmers & Merchants Bank Axtell

State Bank 402 Main Avenue

Axtell, NE 68924

Loan

Production

Office

22060 Laurel Oak Drive

Parker, CO 80138

Farmers and Merchants Bank Milford

State Bank 617 First Street

Milford, NE 68405-9611

Branch 301 Nemaha Street

Firth, NE 68358

Branch 202 Locust Street

Panama, NE 68419

Branch 900 Demery Street

Beaver Crossing, NE 68313

Branch 347 C Street

Palmyra, NE 68418

Branch 101 S. Calvert

Lawrence, NE 68957

Branch 355 North Central

Superior, NE 68978

Farmers and Merchants Bank Milligan

State Bank 501 Main Street

Milligan, NE 68406-0010

Branch 719 Wisconsin Street

Cawker City, KS 67430

Farmers and Merchants Bank of Ashland

Ashland

State Bank 1501 Silver Street

Ashland, NE 68003-0217

Branch 504 Highway 6

Ashland, NE 68003

Farmers and Merchants State Bank

Bloomfield

State Bank 103 N. Broadway

Bloomfield, NE 68718-0069

Branch Second and Kansas Streets

Crofton, NE 68730

Branch 301 Main Street

Center, NE 68724

Branch 203 South Robinson

Hartington, NE 68739

Branch 254 10 Park Avenue

Niobrara, NE 68760

Branch 89283 Highway 81

South Yankton, NE 57078

Farmers State Bank Dodge

State Bank 355 2nd Street

Dodge, NE 68633-0067

Branch 823 Main Street

Bridgeport, NE 68633

Branch 1320 West 3rd Street

Alliance, NE 69301

Branch 501 Main Street

Carroll, NE 68723

Branch 205 West 3rd Street

Chadron, NE 69337

Branch 427 Central Avenue

Ericson, NE 68637

Branch 605 North Main Street

Atkinson, NE 68713

Branch 101 N. Thayer Street

Spencer, NE 68777

Branch 1200 Park Drive

Hickman, NE 68372

First Bank & Trust of Fullerton Fullerton

State Bank 230 Broadway

Fullerton, NE 68638

Branch 1101 Cornhusker Highway

Lincoln, NE 68521

Branch 11102 Blondo Street, Suite 102

Omaha, NE 68164

Countryside Bank Unadilla

State Bank 379 Main Street

Unadilla, NE 68454-4039

Branch 334 Main Street

Burr, NE 68324

Branch 976 11th Street

Syracuse, NE 68446

Loan

Production

Office

315 W. Church Street

Albion, NE 68620

Loan

Production

Office

114 Douglas Avenue, Suite 5

Yankton, SD 57078

Enterprise Bank Omaha

State Bank 12800 West Center Road

Omaha, NE 68144-3818

Branch 210 Regency Parkway

Omaha, NE 68114

Mobile

Branch

Douglas County

Omaha, NE

Branch 3015 2nd Avenue

Kearney, NE

Mobile

Branch

Buffalo County

Kearney, NE

Branch 321 South Main

Wilber, NE 68465

Branch 201 W. Eldora Avenue

Weeping Water, NE 68463

Branch 309 Broad Street

Jansen, NE 68377

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 25



STATE-CHARTERED BANKS (continued)

First Bank of Utica Utica

State Bank 785 D Street

Utica, NE 68456

Branch 390 Hector Street

Cordova, NE 68330

Branch 104 Cherry Street

Friend, NE 68359

Branch 407 7th Street

Milligan, NE 68406

First Central Bank Cambridge

State Bank 623 Patterson Street

Cambridge, NE 69022-0280

Branch 415 Nebraska Avenue

Arapahoe, NE 68922

Branch Main Street

Edison, NE 68936

First Central Bank McCook McCook

State Bank 904 North Highway 83

McCook, NE 69001

Branch 302 Center Avenue

Curtis, NE 69025

First Community Bank Beemer

State Bank 201 Main Street

Beemer, NE 68716

Branch 221 Main Street

Bancroft, NE 68004

Branch 109 John Street

Homer, NE

Branch 502 North Main St.

Fremont, NE 68025

First Nebraska Bank Valley

State Bank 330 N. Spruce Street

Valley, NE 68064-9673

Branch Main Street

Arcadia, NE 68815

Branch 3225 - 23rd Street

Columbus, NE 68601

Branch 1019 Ivy Street

Stanton, NE 68779-0257

Branch Madison Street

Brainard, NE 68626

Branch Main Street

Decatur, NE 68020

Branch 1000 Main Street

Emerson, NE 68733-0445

Branch 50 Monroe Street

Bennet, NE 68317

Branch 2214 S. 11th Street

Nebraska City, NE 68410

Branch 107 North Elm

Weeping Water, NE 68463

Branch 20421 George B. Lake Parkway

Elkhorn, NE 68022

Loan

Production

Office

315 N. 4th Street

Norfolk, NE 68701

Mobile

Branch

Dodge, Douglas, Sarpy,

Saunders & Washington

Counties

Valley, NE

Branch 212 North Oakland Avenue

Oakland, NE 68045

Branch 2300 Laverna

Fremont, NE 68025

Branch 362 County Road 18

Ceresco, NE 68017

Branch 312 N. Broadway

Hartington, NE

Branch 448 South 13th Street

Tekamah, NE 68061

Branch 423 Main Street

Uehling, NE 68063

First State Bank Farnam

State Bank 222 Main Street

Farnam, NE 69029-0096

Branch 1108 West 7th

Alma, NE 68920

Branch 130 Main Street

Stamford, NE 68977

Branch 123 Center Street

Holbrook, NE 68948

Branch 309 Nelson Street

Cambridge, NE 69022

First State Bank Gothenburg

State Bank 914 Lake Street

Gothenburg, NE 69138-1944

Branch 605 Tenth Street

Gothenburg, NE 69138

Loan

Production

Office

505 North 27th Street, Suite 9

Lincoln, NE 68503

Loan

Production

Office

9777 Pyramid Court, Suite 150

Englewood, CO 80112

Branch 5370 South 72nd Street

Ralston, NE 68127

Mobile

Branch

Douglas & Sarpy Counties

Omaha, NE

Branch 11808 West Center Road

Omaha, NE 68144

Branch 101 NW 1st Street

Mullen, NE 69152

Branch 410 Rodeo Road

North Platte, NE 69101

Branch 234 South Commercial Avenue

Wallace, NE 69169

First State Bank Hordville

State Bank 201 Main Street

Hordville, NE 68846

School

Branch

High Plans Community Schools

Polk, NE 68654

First State Bank Loomis

State Bank 211 Commercial Street

Loomis, NE 68958

Branch 1540 Tenth Street

Gering, NE 69341

Branch 3216 West Colorado Avenue

Colorado Springs, CO 80906

Branch 500 West 18th Street

Cheyenne, WY 82001

Branch 2501 East Lincoln Way

Cheyenne, WY

Branch 608 Grand Avenue

Laramie, WY

First State Bank & Trust Company Fremont

State Bank 1005 E. 23rd Street

Fremont, NE 68025-2448

School

Branch

Linden Elementary School

Fremont, NE 68025

School

Branch

Archbishop Bergan Elementary

School

Fremont, NE 68025

Mobile

Branch

Burt, Butler, Colfax, Cuming,

Dodge, Saunders & Washington

Counties

Fremont, NE

Branch 3010 East 23rd Avenue North

Fremont, NE 68025

Branch 1965 East Military Avenue

Fremont, NE 68025

Branch 225 North Main Street

Fremont, NE 68025

Branch Shalimar Gardens Branch

Fremont, NE 68025

Branch Midland University Branch

Fremont, NE 68025

Branch Nye Square/Nye Senior Services

Fremont, NE 68025

First State Bank Nebraska Lincoln

State Bank 2701 Grainger Parkway

Lincoln, NE 68516

Mobile

Branch

Lancaster, Butler, Cass, Gage &

Johnson Counties

Lincoln, NE

Branch 13900 Guildford Street

Waverly, NE 68462

Branch 221 Austin Street

Pickrell, NE 68422

Branch 104 Northwest Avenue

Western, NE 68464

Branch 307 East Fillmore Avenue

DeWitt, NE 68341

Branch 111 Livingston Street

Filley, NE 68357

Branch 203 West Third Street

Wilber, NE 68465

Branch 223 West 4th Street

Cortland, NE 68331

Branch 611 Washington

Dorchester, NE 68343

Branch 300 Main Street

Hallam, NE 68368

Branch 515 Second Street

Yutan, NE 68073

First State Bank Scottsbluff

State Bank 2002 Broadway

Scottsbluff, NE 69361-1902

Branch 205 Beaver Street

St. Edward, NE 68660

First Bank and Trust Company Minden

State Bank 315 East 4th Street

Minden, NE 68959

First Bank of Bancroft Bancroft

State Bank 301 Main Street

Bancroft, NE 68004

Mobile

Branch

Colfax, Cuming, Madison, Platte

& Stanton Counties

Stanton, NE 68779

First Northeast Bank of Nebraska Lyons

State Bank 440 Main Street

Lyons, NE 68038

Branch 201 N. Main Street

Hooper, NE 68031

Branch 213-215 North Chard Street

Oakland, NE 68045

Mobile

Branch

Butler, Cass, Lancaster & Otoe

Counties

Bennet, NE 68317

Mobile

Branch

Cedar, Dakota, Dixon &

Thurston Counties

Emerson, NE 68733

First State Bank Randolph

State Bank 102 E. Broadway

Randolph, NE 68771-0725

Branch Harlan County Bank Office

Alma, NE 68920

Branch 601 Minor Avenue

Bertrand, NE 68927

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 26



STATE-CHARTERED BANKS (continued)

First Tri County Bank Swanton

State Bank 105 Main Street

Swanton, NE 68445-0087

Branch 402 East Main Street

Plymouth, NE 68424

First Westroads Bank, Inc. Omaha

State Bank 15750 West Dodge Road

Omaha, NE 68118

Branch 102nd and West Dodge Road

Omaha, NE 68114

Mobile

Branch

Douglas County

Omaha, NE

Branch 612 North 98th Street

Omaha, NE 68114

FirstBank of Nebraska Wahoo

State Bank 201 East 5th

Wahoo, NE 68066

Branch 225 Highway 41

Sterling, NE 68443

Branch 320 5th Street

Syracuse, NE 68446

Branch 110 Pawnee

Burchard, NE 68323

FirsTier Bank Kimball

State Bank 115 South Walnut

Kimball, NE 69145

Branch 120 S. Wilcox Street

Castle Rock, CO 80104

Loan

Production

Office

2201 Pine Lake Road

Lincoln, NE 68512

Branch 1508 Stillwater Avenue

Cheyenne, WY 82009

Branch 612 Pine Street

Upton, WY 82730

Branch 229 West 4th Street

Holdrege, NE 68949

Branch 1015 2nd Avenue

Kearney, NE 68847

Branch 222 Tyler Street

Elm Creek, NE 68836

Branch 8771 Destination Way

Broomfield, CO 80021

Branch 6222 West 9th Street

Greeley, CO 80634

Five Points Bank Grand Island

State Bank 2015 N. Broadwell Avenue

Grand Island, NE 68801-2759

Branch 3111 West Stolley Park Road

Grand Island, NE 68801-7228

Branch 2009 Diers Avenue

Grand Island, NE 68803-1235

Branch 9718 Giles Road

LaVista, NE 68128

Branch 8820 Arbor Street

Omaha, NE 68124

Branch 8500 South 30th Street

Lincoln, NE 68516

Mobile

Branch

Douglas & Sarpy Counties

Omaha, NE

Mobile

Branch

Lancaster County

Lincoln, NE

Mobile

Branch

Buffalo County

Kearney, NE

Five Points Bank of Hastings Hastings

State Bank 2815 Osborne Drive West

Hastings, NE 68901

Branch 322 N. Saint Joseph Ave.

Hastings, NE 68901

Branch 320 South Burlington Avenue

Hastings, NE 68901

Flatwater Bank Gothenburg

State Bank 900 Lake Avenue

Gothenburg, NE 69138-1944

Branch 120 N. Main Street

Brady, NE 69123

Branch 624 Main Street

Ansley, NE 68814

Foundation One Bank Waterloo

State Bank 23804 Cedar Drive

Waterloo, NE 68069-9501

Branch 4141 North 156th Street,

Suite 101

Omaha, NE 68116

Branch 17445 Arbor Street

Omaha, NE 68130

Frontier Bank Omaha

State Bank 13333 California Street

Suite 100

Omaha, NE 68154

Branch 8380 Glynoaks Drive

Lincoln, NE 68516

Branch 301 S. Main Street

Madison, NE 68748

Branch 1106 Benjamin Ave, Suite 100

Norfolk, NE 68701

Branch 222 Main Street

Pender, NE 68047

Branch 1616 Harlan Street

Falls City, NE 68355

Branch 217 North Main

Stella, NE 68442

Branch 6940 O Street

Lincoln, NE 68510

Generations Bank Exeter

State Bank 139 South Exeter Avenue

Exeter, NE 68351

Branch 2501 Central Avenue

Kearney, NE 68847

Branch 1809 West 37th Street

Kearney, NE

Branch 100 W. 5th Avenue

Sumner, NE 68878-0127

Genoa Community Bank Genoa

State Bank 502 Willard Avenue

Genoa, NE 68640-0607

Great Plains State Bank Petersburg

State Bank 140 Main Street

Petersburg, NE 68652-0210

Branch 3423 21st Street

Columbus, NE 68601

Loan

Production

Office

3325 21st Street

Columbus, NE 68601

Heartland Bank Geneva

State Bank 896 "G" Street

Geneva, NE 68361-2022

Branch 509 6th Avenue

Fairmont, NE 68354

Branch 222 N. Market

Shickley, NE 68436

Branch 245 North Washington Avenue

Grafton, NE 68365

School

Branch

Fillmore Central Public Schools

Geneva, NE 68361

Branch 222 Third Avenue

Riverdale, NE 68870

Loan

Production

Office

1624 M Street

Ord, NE 68862

Branch 212 East 56th Street

Kearney, NE 68847

Branch 102 Grant Street

Aurora, NE 68818

Branch 82404 Hwy 11

Burwell, NE 68823

Branch 3701 Osborne Drive West

Hastings, NE 68901

Branch 306 Jefferson Street

Daykin, NE 68338

Branch 1411 K Street

Fairbury, NE 68352

Branch 423 5th Street

Fairbury, NE 68352

Branch 521 F Street

Fairbury, NE 68352

Henderson State Bank Henderson

State Bank 1040 N. Main Street

Henderson, NE 68371-0605

Branch 107 West O'Neill Ave

Greeley, NE 68842

Branch 627 Lincoln Ave

York, NE 68371

Branch 216-218 Tonya Drive

Giltner, NE 68841

Branch 901 Grant Avenue

York, NE 68371

Branch 15858 West Dodge Road

Omaha, NE 68118

Branch 1100 East Douglas

O'Neill, NE 68763

Branch 2106 North Webb Road

Grand Island, NE 68803

Branch 4459 41st Avenue

Columbus, NE 68601

Heritage Bank Wood River

State Bank 110 E. 10th Street

Wood River, NE 68883

Branch 800 West 3rd Street

Hastings, NE 68901

Mobile

Branch

Hall County

Grand Island, NE

Branch 655 Chestnut Street

Hickman, NE 68372

Branch 4915 Old Cheney Road

Lincoln, NE 68516

Branch 560 Sargent Street

Beatrice, NE 68310

Branch 412 Elm Street

Nehawka, NE 68413

Branch 2249 1st Avenue (Highway 75)

Plattsmouth, NE 68048

Branch 446 Main Street

Plattsmouth, NE 68048

Loan

Production

Office

305 Main Street

Firth, NE 68358

Branch 518 North Eddy Street

Grand Island, NE 68802

Loan

Production

Office

11422 Miracle Hills Drive

Omaha, NE 68154

Mobile

Branch

Adams, Buffalo, Hall, Hamilton,

Howard, & Merrick Counties

Grand Island, NE

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 27



STATE-CHARTERED BANKS (continued)

Branch 821 2nd Street

St. Paul, NE 68873

Branch 607 East 11th Street

Wood River, NE 68883

Branch 1105 "N" Street

Aurora, NE 68818

Branch 305 Main Street

Neligh, NE 68756

Branch 110 E. 10th Street

Wood River, NE 68883

Branch 1333 North Webb Road

Grand Island, NE 68803

Branch 1101 Twelfth Street

Aurora, NE 68818

Branch 200 East Third Street

Stromsburg, NE 68666

Branch 946 South D Street

Broken Bow, NE 68822

Branch 126 West Fourth Street

Red Cloud, NE 68970

Branch 402 South Orleans Avenue

Orleans, NE 68966

Hershey State Bank Hershey

State Bank 100 S. Lincoln Avenue

Hershey, NE 69143-0459

Mobile

Branch

Lincoln, Frontier, & Perkins

Counties

Hershey, NE

Branch 301 E. Philip Avenue

North Platte, NE 69101

Homestead Bank Cozad

State Bank 915 Meridian Avenue

Cozad, NE 69130-0016

Branch 309 Center Avenue

Wolbach, NE 68882

Branch 202 East 7th Street

Lexington, NE 68850

Branch 619 Grand Street

St. Paul, NE 68873

Mobile

Branch

Buffalo, Custer, Dawson,

Frontier, Gosper, Lincoln &

Phelps Counties

Cozad, NE

Branch 715 West 16th Street

Schuyler, NE 68661

Branch 407 West State Street

Albion, NE 68620

Branch 141 South 3rd Street

Howells, NE 68641

Branch 202 Main Street

Chadron, NE 69337

Horizon Bank Waverly

State Bank 10841 N. 142nd Street

Waverly, NE 68462-1104

Branch 328 North Central Avenue

Superior, NE 68978

Branch 10440 North 140th

Waverly, NE 68462

Branch 312 West 1st Street

McCook, NE 69001

Madison County Bank Madison

State Bank 111 West Third Street

Madison, NE 68748

Branch 2100 Pasewalk Avenue

Norfolk, NE 68701

Branch 103 South Fourth Street

Albion, NE 68620

Branch 402 West Locust Street

Plainview, NE 68769

Branch 815 Main Street

Creighton, NE 68729

Branch 411 Main Street

Winside, NE 68790

Mainstreet Bank Cook

State Bank 129 W. Main Street

Cook, NE 68329

Branch 167 North 12th Street

Tecumseh, NE 68450

Branch 127 4th Street

Virginia, NE 68458

Mobile

Branch

Otoe County

Syracuse, NE

Branch 1650 North 13th Street

Norfolk, NE 68701

Branch 622 5th Street

Peru, NE 68421

Branch 104 1/2 Main Street

Louisville, NE 68037

Branch 200 South 7th Street

Wymore, NE 68466

Branch 1780 Poplar Street

Syracuse, NE 68446

Branch 403 Bailey Street

Stratton, NE 69043

Branch 17999 Hwy 385

Burlington, CO 80807

Branch 215 West 1st Street

McCook, NE 69001

Branch 405 W. 5th Street

McCook, NE 69001

Nebraska Bank of Commerce Lincoln

State Bank 6000 Village Drive, Suite 100

Lincoln, NE 68516

Branch 250 North 14th Street

Lincoln, NE 68508

Nebraska State Bank Bristow

State Bank 301 Prairie Avenue

Bristow, NE 68719-0106

Nebraska State Bank Lynch

State Bank 202 North 4th Street

Lynch, NE 68746-0075

Nebraska State Bank Oshkosh

State Bank 218 Main Street

Oshkosh, NE 69154-0260

Loan

Production

Office

Main Street

Curtis, NE 69025

Loan

Production

Office

318 Box Butte Ave

Alliance, NE 69301

Loan

Production

Office

341 South 10th Ave

Broken Bow, NE 68822

Loan

Production

Office

112 C Street

Shelton, NE 68876

Nebraska State Bank and Trust Company

Broken Bow

State Bank 945 South D Street

Broken Bow, NE 68822-2040

Branch 538 East South E Street

Broken Bow, NE 68822

Branch 108 North Grand Avenue

Callaway, NE 68825

Branch Center Avenue and Highway 92

Merna, NE 68856

Branch 934 South D Street

Broken Bow, NE 68822

NebraskaLand Bank North Platte

State Bank

 1400 S. Dewey Street

North Platte, NE 69103



Midwest Bank Pierce

State Bank 114 West Main Street

Pierce, NE 68767

Branch 506 South 13th Street

Norfolk, NE 68701

Branch 2601 West Cooper Drive

Norfolk, NE 68701

Branch 2655 Jamie Lane

Lincoln, NE 68512

Branch 105 W. Elm Street

York, NE 68467

Branch 2501 West Benjamin Avenue

Norfolk, NE 68701

Jones Bank Seward

State Bank 203 South 6th Street

Seward, NE 68434

School

Branch

Centennial Elementary School

Utica, NE 68456

School

Branch

St. John Lutheran School

Seward, NE 68434

Branch 807 Fifth Street

Milford, NE 68405

Branch 108 W. 2nd Street

Valparaiso, NE 68065

Branch 149 N. Main Street

Pilger, NE 68768

Minden Exchange Bank & Trust Company

Minden

State Bank 448 N. Minden Avenue

Minden, NE 68959-1659

MNB Bank McCook

State Bank 220 Norris Avenue

McCook, NE 69001

Branch 606 Main Street

Creighton, NE 68729

Mobile

Branch

Adams County

Hastings, NE

Mobile

Branch

Buffalo County

Kearney, NE

Branch 315 West 60th Street

Kearney, NE 68847

Branch 734 "O" Street

Loup City, NE 68853-0543

i3 Bank Bennington

State Bank 12212 N 156th St.

Bennington, NE 68007

Branch 2433 Silver Street

Ashland, NE 68003

Branch 15645 Spaulding Street

Omaha, NE 68116

Branch 3933 South 14th Street

Lincoln, NE 68502

Branch Mobile Branch

Douglas County, NE 68116

Branch 302 East Park Avenue

Plainview, NE 68769

Branch 701-4th Street

Deshler, NE 68340

Branch 920 Avenue E

Wisner, NE 68791

Branch 114 West Main Street

Pierce, NE 68767

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 28



STATE-CHARTERED BANKS (continued)

Branch 1234 L Street

Aurora, NE 68818-0229



Branch 1119 16th Street

Aurora, NE 68818



Branch 429 East Douglas

O'Neill, NE 68763-0470



Branch 101 N. 5th Street

Page, NE 68766-0060



Branch 201 East 2nd Street

Ogallala, NE 69153-0179



Branch 400 Main Street

Verdigre, NE 68783-0250



Branch 4251 South 144th Street

Omaha, NE 68154-0001



Branch 424 Main Street

Neligh, NE 68756



Branch 2433 Range Line Road

Joplin, MO 64801



Branch 802 Main Street

Joplin, MO 64801



Branch 1651 West 7th Street

Joplin, MO 64801



Branch 501 Cross Street

Sarcoxie, MO 64862



Branch 1010 S. Madison

Webb City, MO 64870



Branch 1316 East 32nd Street

Joplin, MO 64804



Branch 530 N. Burlington Avenue

Hastings, NE 68901



Branch 910 E. South Street

Hastings, NE 68901



Branch 9202 S. Lincoln Avenue

Roseland, NE 68973



Branch 408 D Street

Fairfield, NE 68938



Branch 201 Sun Valley Blvd.

Lincoln, NE 68528



Branch 18081 Burt Street

Omaha, NE 68022



Branch 99 West Sixth Street

Fremont, NE 68025



Branch 450 W. 23rd Street

Fremont, NE 68025



Branch 1520 East 23rd St.

Fremont, NE t68025

Branch 1601 North 84th Street

Lincoln, NE 68505



Branch 301 Smith

Elwood, NE 68937



Branch 26500 East Colburn Road

Lake Lotawana, MO 64064-6650



Mobile

Branch



Lancaster County

Lincoln, NE



Branch 523 Court Street

Beatrice, NE 68310



Branch 523 North 6th Street

Beatrice, NE 68310



Branch 2703 Folkways Blvd

Lincoln, NE 68521



Branch 3500 Faulkner

Lincoln, NE 68516



Branch 1016 Douglas on the Mall

Omaha, NE 68102



Branch 600 Q Street

Lincoln, NE 68528



Branch 218 Main Street

Louisville, NE 68037



Branch 401 4th and Main

Humphrey, NE 68642



Branch 602 West B Street

McCook, NE 69001



Branch 400 Tate Avenue

Hayes Center, NE 69032



Branch 601 Chief Street

Benkelman, NE 69021

Branch 106 East 3rd Street

Grand Island, NE 68801

Branch 1100 Park Drive

Springfield, NE 68059

Branch 323 West 11th Street

Kearney, NE 68845

Platte Valley Bank North Bend

State Bank 606 Main Street

North Bend, NE 68649



School

Branch

Tiger Branch of Platte Valley

Bank

North Bend, NE 68649

Platte Valley Bank Scottsbluff

State Bank 1212 Circle Drive

Scottsbluff, NE 69361



Branch 710 Avenue B

Scottsbluff, NE 69361



Branch 3011 Avenue B

Scottsbluff, NE 69361

Branch 126 Center Avenue

Morrill, NE 69358

Branch 1003 Main Street

Bridgeport, NE 69336

Branch

 13240 Callum Drive

Waverly, NE 68462



Branch 5010 "O" Street

Lincoln, NE 68504



Branch 320 G Street

Central City, NE 68826-0028



Branch 10805 Q Street

Omaha, NE 68154-0001



Pinnacle Bank Lincoln

State Bank 1401 N Street

Lincoln, NE 68508

School

Branch

Wisner-Pilger Elementary School

Wisner, NE 68791

School

Branch

Trumble Park Elementary School

Papillion, NE 68046

Branch 345 Central Avenue

Grant, NE 69140-0036

Loan

Production

Office

520 East Highway 20

Valentine, NE 69201

Branch 102 East Cary Street

Papillion, NE 68046-1209

Branch 1776 South 70th Street

Lincoln, NE 68529-0769

Branch 5651 South 59th Street

Lincoln, NE 68529-0769

Branch 6145 Havelock Avenue

Lincoln, NE 68507-1284

Branch 7000 Adams

Lincoln, NE 68529-0769

Branch 108 South Main Street

Madison, NE 68748-0490

Branch 7001 South 27th Street

Lincoln, NE 68529

Branch 912 Commercial Street

Palmer, NE 68864-0187

Branch 3939 South Street

Lincoln, NE 68510

Branch 2661 33rd Avenue

Columbus, NE 68602-1585

Branch 320 N. State Street

Osceola, NE 68651

Branch Walnut and Oak

Shelby, NE 68662-0278

Branch 143 East 13th Street

Crete, NE 68333-0066

Branch 817 Village Square

Gretna, NE 68028-0519

Branch 611 Pinnacle Drive

Papillion, NE 68046-1209

Pathway Bank Cairo

State Bank 306 S. High Street

Cairo, NE 68824-0428

Branch 189 South 8th Avenue

Burwell, NE 68823

Branch 124 South 14th Street

Ord, NE 68862

Branch 3333 West State Street

Grand Island, NE 68803

Branch

 6th & Grant Street

Lexington, NE 68850



Branch 410 North Washington Street

Lexington, NE 68850-0737



Branch 13131 W Dodge Road

Omaha, NE 68154-0001



Branch 301 East 11th Street

Schuyler, NE 68661-0427



Branch 8040 West Dodge Rd

Omaha, NE 68114



Branch 12350 Southport Parkway

LaVista, NE 68128



Branch 210 East 23rd Street

Columbus, NE 68601



Branch 16821 Audrey Street

Omaha, NE 68136



Branch 20304 Veterans Drive

Elkhorn, NE 68022



Mobile

Branch



Platte County

Columbus, NE



Branch 1575 Dewar Dr., Suite 100

Rock Springs, WY 82901



Branch 121 North Dewey St.

North Platte, NE 69101



Branch 4615 2nd Ave.

Kearney, NE 68848



Branch 1400 South Dewey St.

North Platte, NE 69103



Branch 1002 North Jeffers St.

North Platte, NE 69101



Branch 1801 West A St.

North Platte, NE 69101



Branch 324 Main Street

Neligh, NE 68756-0129



Branch 510 West 16th Street

Schuyler, NE 68661



Branch 1001 Avenue E

Wisner, NE 68791-0550



Branch 122 South Walnut

Arnold, NE 69120



Branch 1500 North Buckeye

Abilene, KS 67410



Branch 401 North Spruce Street

Abilene, KS 67410



Branch 447 Broadway

Imperial, NE 69033



ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 29



STATE-CHARTERED BANKS (continued)

Loan

Production

Office

2700 Fletcher Street

Lincoln, NE 68504

Mobile

Branch

Lancaster County

Lincoln, NE

Mobile

Branch

Cheyenne County

Sidney, NE

Mobile

Branch

Pennington County

Rapid City, SD

Mobile

Branch

Bennett County

Martin, SD

Branch 1300 Garrett Lane

Lincoln, NE 68512

Branch 8260 Northwoods

Lincoln, NE 68505

Branch 5430 Sheridan Lake Road

Rapid City, SD 57702

Branch 401 3rd Ave

Martin, SD 57551

Branch 1205 Jackson

Sidney, NE 69162

Branch 1540 Samco Road, Suite B

Rapid City, SD 57702

Branch 120 North 6th Street

Beatrice, NE 68310

Branch 2301 North 6th Street

Beatrice, NE 68310

Branch 1900 East Court Street

Beatrice, NE 68310

Branch 101 East Broad Street

Blue Springs, NE 68318

Branch 160 Washington Street

Clatonia, NE 68328

Branch 525 Highway 77

Cortland, NE 68331

Branch 805 5th Street

Rapid City, SD 57701

Branch 201 Smith Avenue

Elwood, NE 68937

Branch 102 East Second Street

Rushville, NE 69360

Branch 231 North Main

Hay Springs, NE 69347

Branch 501 C Street

Overton, NE 68863

Branch 101 East Second Street

Rushville, NE 69360

Branch 289 Main Street

Harrison, NE 69346

Branch 502 Main Street

Thedford, NE 69166

Branch 110 East Second Street

Rushville, NE 69360

Branch 403 Second Street

Crawford, NE 69339

Branch 111 N. Mills Street

Merriman, NE 69218

Branch 104 East Nebraska Avenue

Cody, NE 69211

Siouxland Bank South Sioux City

State Bank 1001 West 29th Street

South Sioux City, NE 68776

Branch 1427 Dakota Avenue

South Sioux City, NE 68776

Branch 101 S. Willson Street

Blue Hill, NE 68930

Branch 600 15th Avenue

Franklin, NE 68939

Branch 335 Ogden

Oxford, NE 68967

Branch 757 Hwy 281, Suite 3

Red Cloud, NE 68970

Springfield State Bank Springfield

State Bank 600 Main Street

Springfield, NE 68059-5206

Stanton State Bank Stanton

State Bank 924 Ivy Street

Stanton, NE 68779

Branch 1021 Riverside Blvd

Norfolk, NE 68701

State Bank of Odell Odell

State Bank 215 Main Street

Odell, NE 68415-0185

Branch 423 Commercial Street

Diller, NE 68342

State Bank of Scotia Scotia

State Bank 104 S. Main Street

Scotia, NE 68875

State Bank of Table Rock Table Rock

State Bank 402 Houston

Table Rock, NE 68447

Branch 301 Miner

Dubois, NE 68345

Loan

Production

Office

4535 Normal Boulevard #235

Lincoln, NE 68506

Branch 650 G Street

Pawnee City, NE 68420

Branch 300 Nemaha Street

Humboldt, NE 68376

Branch 4125-4135 Main Street

Roca, NE 68430

Mobile

Branch

Butler, Cass, Gage, Johnson,

Lancaster, Otoe, Saline,

Saunders & Seward Counties

Roca, NE

Branch 119 North 12th Street

Tecumseh, NE 68450

State Nebraska Bank & Trust Wayne

State Bank 122 Main Street

Wayne, NE 68787-1940

School

Branch

Wayne Elementary School

Wayne, NE 68787

Branch 1002 Main Street

Wayne, NE 68787

Thayer County Bank Hebron

State Bank 402 Lincoln Avenue

Hebron, NE 68370-1526

Riverstone Bank Talmage

State Bank 223 Main Street

Talmage, NE 68448

Branch 600 S. 4th Street

Eagle, NE 68347

Loan

Production

Office

920 and 930 12th Street

Syracuse, NE 68446

Sandhills State Bank Bassett

State Bank 202 Clark Street

Bassett, NE 68714



Branch 203 South Dewey Street

North Platte, NE 69101



Branch 132 North Main Street

Valentine, NE 69201



Branch 302 Fir Street

Arthur, NE 69121



Branch 235 Central Avenue

Grant, NE 69140



Branch 201 Main Street

Harrison, NE 69346



Branch 101 South Main Street

Hyannis, NE 69350



Branch 605 East 1st Street

Ogallala, NE 69153



Branch 202 North Tecumseh

Wauneta, NE 69045



Branch 420 Box Butte Avenue

Alliance, NE 69301



Loan

Production

Office



131 North Main Street

Hay Springs, NE 69347



Loan Pro-

duction

Office

1052 Inland Seas

Keystone, NE 69144

Scribner Bank Scribner

State Bank 400 Main Street

Scribner, NE 68057-0548



Security Bank Laurel 

State Bank 202 East 2nd Street

Laurel, NE 68745



Premier Bank Omaha

State Bank 16802 Burke Street

Omaha, NE 68118



Mobile

Branch



Douglas & Sarpy Counties

Omaha, NE



Branch 352 North 114th Street

Omaha, NE 68154-2517



Branch 4318 Dodge Street

Omaha, NE 68131



Branch 202 S. Eighth Street

Nebraska City, NE 68410



Loan

Production

Office



304 Box Butte

Alliance, NE 69301



Loan

Production

Office



261 Main Street

Chadron, NE 69337



Loan

Production

Office



217 W. 3rd

Alliance, NE 69301



Loan

Production

Office



141 W. 3rd Street

Chadron, NE 69337



Branch 102 N. Broadway

Hartington, NE 68739-0137



Branch 101 W. Broadway

Coleridge, NE 68727-0006



South Central State Bank Campbell

State Bank 673 Broad Street

Campbell, NE 68932

Branch

 1850 10th Street

Gering, NE 69341



Branch 901 10th Avenue

Sidney, NE 69162



Branch 1140 Jackson Street

Sidney, NE 69162



Branch 101 W. 2nd Street

Allen, NE 68710-0040



Branch 321 N. State Street

Osmond, NE 68765-0398



Security First Bank Lincoln

State Bank 5505 Red Rock Lane

Lincoln, NE 68512



Branch 818 Avenue

Cozad, NE 69130

Branch 253 North Main Street

Valentine, NE 69201

Branch 1328 West Highway 20

Chadron, NE 69337

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 30



STATE-CHARTERED BANKS (continued)

Branch 22nd and Hwy 2

Lincoln, NE 68512

Branch 3705 South 48th Street

Lincoln, NE 68506

Branch 230 South Hall and U.S. 20

Valentine, NE 69201

Branch 507 D Street

David City, NE 68632

Branch 238 East 4th

Ainsworth, NE 69210

Branch 1313 K Street

Fairbury, NE 68352

Branch 4732 Calvert Street

Lincoln, NE 68506

Branch 121 South 13th Street

Lincoln, NE 68509

Branch 514 G Street

Pawnee City, NE 68420

Branch 6801 South 27th Street

Lincoln, NE 68516

Branch 4243 Pioneer Woods Drive

Lincoln, NE 68506

Branch 8401 Lexington Avenue

Lincoln, NE 68505

Branch 5006 North 27th Street

Lincoln, NE 68521

Branch 6811 South 27th

Lincoln, NE 68512

Branch 2720 South 177th

Omaha, NE 68130

Mobile

Branch

Douglas County

Omaha, NE

Branch 1550 South Coddington

Lincoln, NE 68522

Branch 309 Oak

Bonner Springs, KS 66012

Branch 11460 Tomahawk Creek

Parkway

Leawood, KS 66211

Branch 8501 Andermatt Drive

Lincoln, NE 68526

Branch 840 Fallbrook Blvd.

Lincoln, NE 68522

Branch 350 Canopy Street

Lincoln, NE 68508

Branch 1850 Grove Avenue

Crete, NE 68333

Branch 1400 R Street

Lincoln, NE 68508

Loan

Production

Office

3400 Plantation Drive #200

Lincoln, NE 68516

United Republic Bank Elkhorn

State Bank 111 N. 181st. Street

Elkhorn, NE 68022

State Bank 747 Meridian Avenue

Cozad, NE 69130

Branch 348 Broadway

Imperial, NE

Branch 100 North Main Street

Eustis, NE 69028

Branch 24 South Weber Street

Colorado Springs, CO 80903

Branch 116 South Alexander Street

Clay Center, NE 68933

Branch 707 Patterson

Cambridge, NE 69022

Branch 2900 S. College Avenue

Fort Collins, CO 80525

West Gate Bank Lincoln

State Bank 6003 Old Cheney Road

Lincoln, NE 68516

School

Branch

Lakeview Elementary School

Lincoln, NE 68528

School

Branch

Wysong Elementary School —

Wysong Branch of West Gate Bank

Lincoln, NE 68516

Branch 8400 Eagle Crest Road

Lincoln, NE 68505

Branch 5555 South 27th Street

Lincoln, NE 68512-1698

Branch 2037 South 17th Street

Lincoln, NE 68502-2704

Branch 2662 Cornhusker Hwy, Suite 3

Lincoln, NE 68521

Mobile

Branch

Lancaster County

Lincoln, NE

Branch 1204 West "O" Street

Lincoln, NE 68528

Branch 4955 "O" Street

Lincoln, NE 68508

Branch 9775 Q Street

Omaha, NE 68127

Branch 1020 South 179th Court

Omaha, NE 68118

Branch 1004 Cornhusker Road

Bellevue, NE 68005

Waypoint Bank Cozad

West Plains Bank Ainsworth

State Bank 200 N. Main Street

Ainsworth, NE 69210

Branch 110 S. Main Street

Springview, NE 68778

Western Nebraska Bank Curtis

State Bank 301 Center Avenue

Curtis, NE 69025-0045

Branch 203 North Oak Street

Paxton, NE 69155

Loan

Production

Office

314 North 5th, #400

Norfolk, NE 68701

Loan

Production

Office

418 Court St.

Beatrice, NE 68310

Branch 501 Grant Avenue

York, NE 68467

Branch 225 South 4th Street

Seward, NE 68434

Branch 2008 North Webb Road

Grand Island, NE 68802

Branch 1944 O Street

Lincoln, NE 68502

Loan

Production

Office

2071 33rd Ave

Columbus, NE 68601

Loan

Production

Office

18 West 23rd Street

Kearney, NE 68847

Branch 1301 J Street

Auburn, NE 68305

Branch 410 4th Street

Taylor, NE 68879

The Tri-County Bank Stuart

State Bank 106 N. Main Street

Stuart, NE 68780-0010

Branch 103 West Highway 20

Bassett, NE 68714

Branch 807 East Ash Street

Atkinson, NE 68713

Loan

Production

Office

Highway 20

Newport, NE 68759

Branch 702 E. Douglas Street

O'Neill, NE 68763

Town & Country Bank Ravenna

State Bank 423 Grand Avenue

Ravenna, NE 68869-1323

Branch 224 North Main Street

Litchfield, NE 68852

Branch 102 N. Sycamore Street

Pleasanton, NE 68866-0247

Branch 6005 2nd Avenue West

Kearney, NE 68847

Two Rivers Bank Blair

State Bank 555 South 19th Street

Blair, NE 68008

School

Branch

Arlington Eagles Bank

Arlington, NE 68002

Branch 130 Eagle Street

Arlington, NE 68002

Union Bank and Trust Company Lincoln

State Bank 3643 S. 48th Street

Lincoln, NE 68506

The Culbertson Bank Culbertson

State Bank 318 Taylor

Culbertson, NE 69024-0008

The Potter State Bank of Potter Potter

State Bank 301 Chestnut Street

Potter, NE 69156

Branch 205 South Locust Street

Kimball, NE 69145

Branch 1300 North 48th Street

Lincoln, NE 68504

Branch 6001 Village Drive

Lincoln, NE 68516

Branch 6801 O Street

Lincoln, NE 68510

Branch 4800 Normal Boulevard Lin-

coln, NE 68506

Branch 314 W. 5th Street

Wahoo, NE 68066

Washington County Bank Blair

State Bank 1523 Washington Street

Blair, NE 68008-1653

Branch 303 South 13th Street

Tekamah, NE 68061

Branch 101 North 14th Street

Fort Calhoun, NE 68023

School

Branch

TC Titan Branch

Hebron, NE 68370

Mobile

Branch

Thayer County

Hebron, NE

The Bank of Steinauer Steinauer

State Bank 215 Main Street

Steinauer, NE 68441-0038

Branch 328 West 3rd

Wahoo, NE 68066

Branch 1100 Main Avenue

Crete, NE 68333

Loan

Production

Office

4433 South 70th Street,

Suite 210

Lincoln, NE 68516

Mobile

Branch

Dodge, Douglas, Sarpy &

Washington Counties

Omaha, NE

Wahoo State Bank Wahoo

State Bank 164 E. 5th Street

Wahoo, NE 68066-1923

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 31



STATE-CHARTERED BANKS (continued)

York State Bank York

State Bank 700 N. Lincoln Avenue

York, NE 68467-2995

Branch 1022 G Street

Geneva, NE 68361

Branch 710 South Lincoln Avenue

York, NE 68467

Branch 729 Lincoln Avenue

York, NE 68467

Branch 405 Elm Street

Gresham, NE 68367

Branch 600 South Dewey Street

North Platte, NE 69101

Branch 39363 East Highway 2

Thedford, NE 69166

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 32



HISTORICAL DATA—STATE-CHARTERED COMMERCIAL BANKS

Year In Operation

Total Capital

and Reserves

Total Deposits Total Assets

2013 175 3,419,615,000 25,179,370,000 33,082,737,000

2014 171 3,627,272,000 26,162,527,000 34,809,104,000

2015 167 4,317,764,000 27,412,224,000 37,165,034,000

2016 163 4,244,010,000 28,909,062,000 39,912,461,000

2017 158 4,662,769,000 30,546,253,000 42,098,630,000

2018 156 4,315,129,000 31,058,755,000 38,534,679,000

2019 153 4,751,085,000 34,097,041,000 41,628,517,000

2020 147 5,093.295,000 39,406,291,000 48,094,176,000

2021 146 5,800,979,000 46,575,595,000 55,094,981,000

This “Leap Year” charter from the Farmers State Bank of Tecumseh may be one of the only ones issued on a February

29th! It is an excellent example of the style of charter issued by the State Banking Board during the early part of this

century.

The original bank, Farmers State, merged with First State Bank (Tecumseh) on April 1, 1933, to form the Johnson County

Bank. This was done under the First State Bank charter, and the Farmers State charter was cancelled and retained by

the Department for historic purposes.

Johnson County Bank operates today as a branch of American National Bank of Nebraska City.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 33



(for the period ending June 30, 2021)

REGISTERED BANK HOLDING COMPANIES

Bank Holding Companies Owned by Holding Companies

3MV Bancorp, Inc. - Omaha, NE Access Bank - Omaha, NE

Adage, LLC - Ogallala, NE Adams Bank & Trust - Ogallala, NE

Adbanc, Inc. - Ogallala, NE

Adbanc, Inc. - Ogallala, NE Adams Bank & Trust - Ogallala, NE

Ambage, Inc. - West Point, NE F&M Bank - Falls City, NE

American Exchange Company - Elmwood, NE American Exchange Bank - Elmwood, NE

American Interstate Bancorp., Inc. - Omaha, NE American Interstate Bank - Elkhorn, NE

American National Corporation - Omaha, NE American National Bank - Omaha, NE

AmeriGroup, Inc. - Hershey, NE Hershey State Bank - Hershey, NE

AmeriWest Corporation - Omaha, NE First Westroads Bank, Inc. - Omaha, NE

Antelope Bancshares, Inc. - Elgin, NE Bank of Elgin - Elgin, NE

Arlington State Banc Holding Company - Blair, NE Two Rivers Bank - Blair, NE

Armstrong Financial Company - Minden, NE Minden Exchange Company - Minden, NE

Bancook Corporation - Cook, NE Mainstreet Bank - Cook, NE

Bank Management, Inc. - Wahoo, NE FirstBank of Nebraska - Wahoo, NE

Banner County Ban Corporation - Harrisburg, NE Banner Capital Bank - Harrisburg, NE

Oregon Trail Bank - Guernsey, WY

Banner County Ban Corporation Employee Stock Plan and Trust -

Harrisburg, NE Banner Capital Bank - Harrisburg, NE

Banner County Ban Corporation - Harrisburg, NE

Battle Creek State Company - Battle Creek, NE Battle Creek State Bank - Battle Creek, NE

BBIG Holdings, LLC - Lincoln, NE

Hilltop Bancshares, Inc. (2014 ﬁling) - Bennington,

i3 Bank - Bennington, NE

BBJ, Incorporated - Ord, NE First National Bank in Ord - Ord, NE

Bellwood Community Holding Company - Bellwood, NE Bank of the Valley - Bellwood, NE

Blair Holdings, Inc. - Omaha, NE Washington County Bank - Blair, NE

Bruning Bancshares, Inc. - Bruning, NE Bruning Bank - Bruning, NE

BSB Bancshares, Inc. - Brunswick, NE Brunswick State Bank - Brunswick, NE

Butte State Co. - Butte, NE Butte State Bank - Butte, NE

C.S.B. Co. - Cozad, NE First National Bank of Chadron - Chadron, NE

Homestead Bank - Cozad, NE

Campbell State Company - Lincoln, NE South Central State Bank - Campbell, NE

Carleton Agency, Inc. - Carleton, NE Citizens State Bank - Carleton, NE

Cattle Crossing, Inc. - Seward, NE Cattle Bank & Trust - Seward, NE

Cedar Bancorp. - Hartington, NE Bank of Hartington - Hartington, NE

Cedar Financial Holding, Inc. - Fordyce, NE Cedar Security Bank - Fordyce, NE

Cedar Rapids State Company - Cedar Rapids, NE Cedar Rapids State Bank - Cedar Rapids, NE

Central Agency, Inc. - Lincoln, NE Farm & Home Insurance Agency, Inc. - Lyons, NE

Central Bancshares, Inc. - Cambridge, NE First Central Bank - Cambridge, NE

First Central Bank McCook - McCook, NE

Republic Corporation - Omaha, NE

**Banks are italicized. 

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 34



REGISTERED BANK HOLDING COMPANIES (continued)

Bank Holding Companies Owned by Holding Companies

Ceresco Bancorp, Inc. - Ceresco, NE CerescoBank - Ceresco, NE

CFSB Holding Co. - Broken Bow, NE Custer Federal State Bank - Broken Bow, NE

Chambanco, Inc. - Chambers, NE Chambers State Bank - Chambers, NE

Citizens National Corporation - Wisner, NE Citizens State Bank - Wisner, NE

Republic Corporation - Omaha, NE

Clark Bancshares, Inc. - Clarks, NE Bank of Clarks - Clarks, NE

Clarkson Management Company - Clarkson, NE Clarkson Bank - Clarkson, NE

CLC Enterprises, Inc. - Nelson, NE Commercial Bank - Nelson, NE

COLBANK Bancorp - Columbus, NE Columbus Bank & Trust Company - Columbus, NE

Commercial Investment Co., Inc. - Ainsworth, NE West Plains Bank - Ainsworth, NE

Commercial State Holding Company, Inc. - Republican City, NE Commercial State Bank - Republican City, NE

Cornhusker Growth Corporation - Lincoln, NE Cornhusker Bank - Lincoln, NE

Country Bank Shares, Inc. - Milford, NE Farmers and Merchants Bank - Milford, NE

Doniphan Bancshares, Inc. - Doniphan, NE Bank of Doniphan - Doniphan, NE

DS Holding Company, Inc. - Omaha, NE Core Bank - Omaha, NE

Duroc Investment Company - Table Rock, NE State Bank of Table Rock - Table Rock, NE

Eberly Investment Company - Stanton, NE Stanton State Bank - Stanton, NE

Emswater Financial LLC - Exeter, NE Generations Bank - Exeter, NE

Enevoldsen Limited Partnership - Potter, NE Enevoldsen Management Company - Potter, NE

Enevoldsen Management Company - Potter, NE The Potter State Bank of Potter - Potter, NE

Enterprise Holding Company - Omaha, NE Enterprise Bank - Omaha, NE

Equitable Financial Corp - Grand Island, NE Equitable Bank - Grand Island, NE

Exchange Company - Kearney, NE Exchange Bank - Kearney, NE

Farm & Home Insurance Agency, Inc. - Lyons, NE First Northeast Bank of Nebraska - Lyons, NE

Farmers & Merchants Financial Corporation - Ashland, NE

Farmers and Merchants Bank of Ashland -

Ashland, NE

Farmers & Merchants Investment, Inc - Lincoln, NE Union Bank and Trust Company - Lincoln, NE

Farmers State Bancshares, Inc - Dodge, NE Farmers State Bank - Dodge, NE

FEO Investments, Inc. - Norfolk, NE Elkhorn Valley Bank & Trust - Norfolk, NE

First Beemer Corporation - Beemer, NE First Community Bank - Beemer, NE

First Central Nebraska Company - Broken Bow, NE

Nebraska State Bank and Trust Company - Bro-

ken Bow, NE

First Gothenburg Bancshares, Inc. - Gothenburg, NE First State Bank - Gothenburg, NE

First Kenesaw Company, Inc. - Kenesaw, NE Adams County Bank - Kenesaw, NE

First Laurel Security Company - Laurel, NE Security Bank - Laurel, NE

First National Holding Company, Inc. - Fullerton, NE First Bank & Trust of Fullerton - Fullerton, NE

First National Johnson Bancshares, Inc. - Johnson, NE The First National Bank of Johnson - Johnson, NE

First National Utica Company - Utica, NE First Bank of Utica - Utica, NE

First Nebraska Bancs, Inc. - Sidney, NE Points West Community Bank - Julesburg, CO

First Newman Grove Bankshares Corp. - Newman Grove, NE Bank of Newman Grove - Newman Grove, NE

First of Minden Financial Corporation - Minden, NE First Bank and Trust Company - Minden, NE

First State Bancorp., Inc. - Randolph, NE First State Bank - Randolph, NE

First State Bancshares, Inc. - Scottsbluff, NE First State Bank - Scottsbluff, NE

First State Fremont, Inc. - Fremont, NE First State Bank & Trust Company - Fremont, NE

First State Holding Company - Lincoln, NE First State Bank Nebraska - Lincoln, NE

**Banks are italicized. 

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 35



REGISTERED BANK HOLDING COMPANIES (continued)

Bank Holding Companies Owned by Holding Companies

First York Ban Corp. - York, NE Cornerstone Bank - York, NE

Firstand Co. - Hordville, NE First State Bank - Hordville, NE

Firstier II Bancorp - Cheyenne, WY FirsTier Bank - Kimball, NE

FM Group, Inc. - Cawker City, KS Farmers and Merchants Bank - Milligan, NE

Foundation First Corporation - Omaha, NE Foundation One Bank - Waterloo, NE

Frontier Holdings, LLC - Omaha, NE Frontier Bank - Omaha, NE

Geneva State Company - Geneva, NE Heartland Bank - Geneva, NE

GLAASS Financial, LLC - Exeter, NE Emswater Financial LLC - Exeter, NE

Henderson State Company - Henderson, NE Henderson State Bank - Henderson, NE

Heritage Group, Inc. - Aurora, NE Heritage Bank - Wood River, NE

Hilltop Bancshares, Inc. (2014 ﬁling) - Bennington, NE i3 Bank - Bennington, NE

Hohl Financial, Inc. - Wahoo, NE Wahoo State Bank - Wahoo, NE

Hometown Banc Corporation - Grand Island, NE Five Points Bank - Grand Island, NE

Five Points Bank of Hastings - Hastings, NE

Howard County Land & Cattle Company - Rapid City, SD

Citizens Bank & Trust Company in St. Paul - St. Paul,

HSB Merger Co. - Hershey, NE AmeriGroup, Inc. - Hershey, NE

Isham Management Company - Gordon, NE The First National Bank of Gordon - Gordon, NE

Jones National Corporation - Seward, NE Jones Bank - Seward, NE

Kingsbury BDC Financial Services, Inc. - Ponca, NE Bank of Dixon County - Ponca, NE

Lauritzen Corporation - Omaha, NE First National Bank of Omaha - Omaha, NE

Houghton State Bank - Red Oak, IA

Shelby County State Bank - Harlan, IA

Washington County Bank - Blair, NE

York State Bank - York, NE

Lauritzen Investments Incorporated - Omaha, NE Farmers and Merchants State Bank - Bloomﬁeld, NE

Lewellen National Corp. - Lewellen, NE Bank of Lewellen - Lewellen, NE

Lindsay State Company - Lindsay, NE Bank of Lindsay - Lindsay, NE

Loomis Company - Omaha, NE First State Bank - Loomis, NE

Mackey BanCo, Inc. - Omaha, NE Dundee Bank - Omaha, NE

Madison County Financial, Inc. - Madison, NE Madison County Bank - Madison, NE

McHugh Investment Co. - Murdock, NE Corn Growers State Bank - Murdock, NE

Midwest Banc Holding Co. - Pierce, NE Midwest Bank - Pierce, NE

Midwest Banco Corporation - Cozad, NE Waypoint Bank - Cozad, NE

Minden Exchange Company - Minden, NE

Minden Exchange Bank & Trust Company - Minden,

MNB Financial Services, Inc. - McCook, NE MNB Bank - McCook, NE

NationWide Bankshares, Inc. - West Point, NE CharterWest Bank - West Point, NE

NBC Bancshares, LLC - Lincoln, NE Nebraska Bank of Commerce - Lincoln, NE

Nebraska Bankshares, Inc. - Farnam, NE First State Bank - Farnam, NE

NebraskaLand Financial Services, Inc. - North Platte, NE NebraskaLand Bank - North Platte, NE

North Central Bancorp - Norfolk, NE BankFirst - Norfolk, NE

**Banks are italicized.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 36



REGISTERED BANK HOLDING COMPANIES (continued)

Bank Holding Companies Owned by Holding Companies

O & F Cattle Company - Oshkosh, NE Nebraska State Bank - Oshkosh, NE

Oakland Financial Services, Inc. - Oakland, IA Arbor Bank - Nebraska City, NE

Orchard Bancorp - Orchard, NE Bank of Orchard - Orchard, NE

Otten Investments, LP - Norfolk, NE FEO Investments, Inc. - Norfolk, NE

Pathway Bancorp. - Cairo, NE Pathway Bank - Cairo, NE

Pinnacle Bancorp, Inc. - Omaha, NE Bank of Colorado - Fort Collins, CO

Pinnacle Bank - Lincoln, NE

Pinnacle Bank - Keene, TX

Pinnacle Bank - Wyoming - Torrington, WY

Platte Valley Bancorp, Inc - North Bend, NE Platte Valley Bank - North Bend, NE

Platte Valley Cattle Company - Grand Island, NE Town & Country Bank - Ravenna, NE

Platte Valley Financial Service Companies, Inc - Scottsbluff, NE Mountain Valley Bank - Walden, CO

Platte Valley Bank - Torrington, WY

Platte Valley Bank - Scottsbluff, NE

Prague Company - Valley, NE Bank of Prague - Prague, NE

Premier Bancshares, Inc. - Omaha, NE Premier Bank - Omaha, NE

Rae Valley Financials, Inc. - Petersburg, NE Great Plains State Bank - Petersburg, NE

Republic Corporation - Omaha, NE United Republic Bank - Elkhorn, NE

S & S Investment Company, Inc. - Odell, NE State Bank of Odell - Odell, NE

Sandhills Financial Services, LLC - Bassett, NE Sandhills State Bank - Bassett, NE

Scribner Banshares, Inc. - Scribner, NE Scribner Bank - Scribner, NE

Security National Corporation - Omaha, NE Security National Bank of Omaha - Omaha, NE

Selko Banco, Inc. - Mead, NE Bank of Mead - Mead, NE

Siouxland National Corporation - South Sioux City, NE Siouxland Bank - South Sioux City, NE

Springﬁeld Bank Company, Inc. - Springﬁeld, NE Springﬁeld State Bank - Springﬁeld, NE

State National Bancshares, Inc. - Wayne, NE State Nebraska Bank & Trust - Wayne, NE

Steinauer Bancorp, Inc. - Steinauer, NE The Bank of Steinauer - Steinauer, NE

Stockmens Financial Corporation - Rapid City, SD Security First Bank - Lincoln, NE

Stockmens Limited Partnership - Rapid City, SD Stockmens Financial Corporation - Rapid City, SD

Swanton Agency, Inc. - Swanton, NE First Tri County Bank - Swanton, NE

TA NS CTC Holdings, Inc. - Boston, MA Constellation Trust Company - Omaha, NE

TCM Company - Crete, NE City Bank & Trust Co. - Lincoln, NE

Thayer Agency, Inc. - Hebron, NE Thayer County Bank - Hebron, NE

Tri Valley Bancshares, Inc. - Talmage, NE Riverstone Bank - Talmage, NE

Tri-County Company - Stuart, NE The Tri-County Bank - Stuart, NE

UB, Inc. - Unadilla, NE Countryside Bank - Unadilla, NE

UniBanc Corp - Maywood, NE Community First Bank - Maywood, NE

Valley Bank Shares, Inc. - Valley, NE First Nebraska Bank - Valley, NE

Wausa Banshares, Inc. - Wausa, NE Commercial State Bank - Wausa, NE

R. Dean Phillips Bank Trust Dated 11-19-2004 (the "Bank Trust") -

Las Vegas, NV Ambage, Inc.—West Point, NE

West Point Bancorp, Inc. - West Point, NE

**Banks are italicized. 

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 37



REGISTERED BANK HOLDING COMPANIES (continued)

Bank Holding Companies Owned by Holding Companies

West Gate Banshares, Inc. - Lincoln, NE West Gate Bank - Lincoln, NE

West Point Bancorp, Inc. - West Point, NE F & M Bank - West Point, NE

Town & Country Bank - Las Vegas, NV

Western Bancshares, Inc. - Curtis, NE Western Nebraska Bank - Curtis, NE

WNB Holdings, LLC - North Platte, NE

Williams Financial Corporation - Gothenburg, NE Flatwater Bank - Gothenburg, NE

York Holdings, Inc. - Omaha, NE York State Bank - York, NE

**Banks are italicized. 

Greg Freese, FI Depository Review Examiner

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 38



(for the period ending June 30, 2021)

COMMERCIAL BANK MEMBERS OF THE FEDERAL RESERVE SYSTEM

Institution Location

West Plains Bank Ainsworth

Farmers and Merchants Bank of Ashland Ashland

Auburn State Bank Auburn

First Bank of Bancroft Bancroft

Battle Creek State Bank Battle Creek

First Community Bank Beemer

i3 Bank Bennington

Butte State Bank Butte

Bank of Elgin Elgin

American Exchange Bank Elmwood

First Bank & Trust of Fullerton Fullerton

Equitable Bank Grand Island

Five Points Bank Grand Island

Bank of Hartington Hartington

Five Points Bank of Hastings Hastings

Security Bank Laurel

Cornhusker Bank Lincoln

First State Bank Nebraska Lincoln

First Northeast Bank of Nebraska Lyons

Madison County Bank Madison

MNB Bank McCook

First Bank and Trust Company Minden

Bank of Newman Grove Newman Grove

NebraskaLand Bank North Platte

Adams Bank & Trust Ogallala

Enterprise Bank Omaha

First Westroads Bank, Inc. Omaha

Midwest Bank Pierce

Town & Country Bank Ravenna

Platte Valley Bank Scottsbluff

Jones Bank Seward

Siouxland Bank South Sioux City

Stanton State Bank Stanton

First Bank of Utica Utica

First Nebraska Bank Valley

FirstBank of Nebraska Wahoo

Wahoo State Bank Wahoo

Charter West Bank West Point

Citizens State Bank Wisner

Cornerstone Bank York

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 39



(for the period ending June 30, 2021)

STATE-CHARTERED BANKS AUTHORIZED TO OPERATE WITH TRUST POWERS

Institution Location

Nebraska State Bank and Trust Company Broken Bow

Pathway Bank Cairo

Columbus Bank & Trust Company Columbus

Homestead Bank Cozad

Waypoint Bank Cozad

F&M Bank Falls City

First State Bank & Trust Company Fremont

First Bank & Trust of Fullerton Fullerton

Heartland Bank Geneva

First State Bank Gothenburg

Five Points Bank Grand Island

Exchange Bank Kearney

City Bank & Trust Co. Lincoln

Pinnacle Bank Lincoln

Union Bank and Trust Company Lincoln

First Bank and Trust Company Minden

Minden Exchange Bank & Trust Company Minden

Arbor Bank Nebraska City

Elkhorn Valley Bank & Trust Norfolk

Adams Bank & Trust Ogallala

Core Bank Omaha

First State Bank Scottsbluff

Platte Valley Bank Scottsbluff

Cattle Bank & Trust Seward

Jones Bank Seward

Citizens Bank & Trust Company in St. Paul St. Paul

State Nebraska Bank & Trust Wayne

Heritage Bank Wood River

Cornerstone Bank York

(for the period ending June 30, 2021)

STATE-CHARTERED TRUST COMPANIES

Institution Location

Constellation Trust Company Omaha, Nebraska

Bridges Trust Company Omaha, Nebraska

First Nebraska Trust Company Lincoln, Nebraska

NBC Trust Company Lincoln, Nebraska

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 40



(for the period ending June 30, 2021)

STATE-CHARTERED CREDIT UNIONS

Institution Location Branch Oﬃces

Archer Cooperative Credit Union Archer Central City; Dannebrog

Eddyville Cooperative Credit Union Eddyville

First Nebraska Credit Union Omaha Elkhorn; Lincoln (2); Omaha (2)

Liberty First Credit Union Lincoln

Lincoln (3); Lancaster County

(mobile); Omaha; Seward

Lincoln S.D.A. Credit Union Lincoln

MembersOwn Credit Union Lincoln Beatrice; Lincoln (2)

Nebraska R.E.A Credit Union Lincoln

Nebraska State Employees Credit Union Lincoln Lincoln

North Platte Union Paciﬁc Employees Credit Union North Platte

Omaha Fireﬁghters Credit Union Omaha

Our Family Social Credit Union Omaha

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 41



(for the period ending June 30, 2021)

DELAYED DEPOSIT SERVICES BUSINESSES

Institution County Branches in County

Financial Options, Inc. Lancaster 0

Hometown Cash Advance, Inc. Lincoln 0

McKenzie Check Advance of Nebraska, LLC Platte 0

McKenzie Check Advance of Nebraska, LLC Dawson 0

McKenzie Check Advance of Nebraska, LLC Scotts Bluff 0

McKenzie Check Advance of Nebraska, LLC Hall 1

McKenzie Check Advance of Nebraska, LLC Adams 0

McKenzie Check Advance of Nebraska, LLC Dodge 0

McKenzie Check Advance of Nebraska, LLC Buffalo 0

McKenzie Check Advance of Nebraska, LLC Madison 0

McKenzie Check Advance of Nebraska, LLC Lincoln 0

McKenzie Check Advance of Nebraska, LLC Lancaster 0

McKenzie Check Advance of Nebraska, LLC Douglas 2

McKenzie Check Advance of Nebraska, LLC Sarpy 1

N.I.S., Inc. Sarpy 1

N.I.S., Inc. Douglas 9

N.I.S., Inc. Lancaster 8

N.I.S., Inc. Gage 0

N.I.S., Inc. York 0

As of 6/30/2021 Nebraska had 19 Delayed Deposit Services Licenses.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 42



(for the period ending June 30, 2021)

INSTALLMENT LOAN COMPANIES

Institution Location of Licenses

AmeriFirst Home Improvement Finance, LLC Omaha, NE

CMAC INC. Omaha, NE

Grameen America, Inc. New York, NY

OneMain Financial Group, LLC Baltimore, MD

As of 6/30/21, Nebraska had 4 Installment Loan Company Licenses.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 43



(for the period ending June 30, 2021)

SALES FINANCE COMPANIES

Institution Location

AGCO Finance LLC Johnston, IA

ALLY FINANCIAL INC. Detroit, MI

American Credit Acceptance, LLC Spartanburg, SC

American First Finance Inc. Wichita, KS

AMERICAN HONDA FINANCE CORPORATION Torrance, CA

AmeriCredit Financial Services, Inc. Fort Worth, TX

Aqua Finance, Inc. Wausau, WI

Auto Credit Center, LLC Omaha, NE

Avid Acceptance LLC. Midvale, UT

Belmont Finance LLC Stevens Point, WI

BMW Financial Services NA, LLC Woodcliff Lake, NJ

Builders Financial Service LLC Independence, MO

CAR Financial Services, Inc. Lake Mary, FL

CarMax Business Services, LLC Kennesaw, GA

CarMax Funding Services, LLC Kennesaw, GA

Carvana FAC LLC Tempe, AZ

Castle Credit Co Holdings, LLC Chicago, IL

Caterpillar Financial Services Corporation Nashville, TN

CNH Industrial Capital America LLC Racine, WI

Consumer Portfolio Services, Inc. Las Vegas, NV

Covered Care, LLC Dallas, TX

Credit Acceptance Corporation Southﬁeld, MI

Credit Connection, L.L.C. Lincoln, NE

Credit Corp Solutions Inc. Draper, UT

CREDITO REAL USA FINANCE, LLC Fort Lauderdale, FL

De Lage Landen Financial Services, Inc. Wayne, PA

De Lage Landen Public Finance LLC Wayne, PA

Deere & Company Moline, IA

DLL Finance LLC Johnston, IA

Driveway Finance Corporation Tigard, OR

eCAST Settlement Corporation New York, NY

Equity Sales Finance, Inc. Maple Grove, MN

Exeter Finance LLC Irving, TX

Farm Credit Services of America, PCA Omaha, NE

FASTLENDING.COM, LLC Sarasota, FL

Finance of America Mortgage LLC Conshohocken, PA

First Investors Financial Services, Inc. Houston, TX

First Investors Servicing Corporation Atlanta, GA

Flagship Credit Acceptance LLC Chadds Ford, PA

Ford Motor Credit Company LLC Dearborn, MI

Foundation Finance Company LLC Rothschild, WI

Foursight Capital LLC Salt Lake City, UT

GFC Lending, LLC Mesa, AZ

Global Lending Services LLC Greenville, SC

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 44



SALES FINANCE COMPANIES (continued)

Institution Location

Great American Finance Holdings, LLC Chicago, IL

Hunter Financial LLC Troy, MI

Hyundai Capital America, Inc. Irvine, CA

Isuzu Finance of America, Inc Purchase, NY

Kubota Credit Corporation, U.S.A Grapevine, TX

Lime Residential, Ltd. New York, NY

Mahindra Finance USA LLC Johnston, IA

Mend Financial, LLC Omaha, NE

Mercedes-Benz Financial Services USA LLC Farmington Hills, MI

Mid-Atlantic Finance Co., Inc. Clearwater, FL

Midland Credit Management, Inc. San Diego, CA

Mitsubishi Motors Credit of America, Inc. Franklin, TN

Nationwide Cassel LLC Rosemont, IL

New Holland Credit Company, LLC New Holland, PA

Nissan Motor Acceptance Company LLC Franklin, TN

NR Finance Company Inc Norfolk, NE

PACCAR Financial Corp. Bellevue, WA

Paramount Capital Group, LLC King of Prussia, PA

Planet Home Lending, LLC Meriden, CT

Porsche Financial Services, Inc. Atlanta, GA

Preferred Credit, Inc. St, Cloud, MN

Prestige Financial Services, Inc. Draper, UT

Regional Acceptance Corporation Greenville, NC

RFFC Financial, LLC Conroe, TX

Roadrunner Financial, Inc. New York, NY

RTO Finance LLC Greenville, SC

Santander Consumer USA Inc. Dallas, TX

Scratch Financial, Inc. Pasadena, CA

Service Finance Company, LLC Boca Raton, FL

SNAP-ON CREDIT LLC Libertyville, IL

Solar Service Experts, LLC Houston, TX

South Bay Financial Services, LLC Jacksonville, FL

Southwest Stage Funding, LLC Chandler, AZ

Sprint Spectrum, LP Overland Park, KS

Spruce Lending, Inc. Houston, TX

T-Mobile Financial LLC Bellevue, WA

TD Auto Finance LLC Farmington Hills, MI

Tidewater Finance Company Virginia Beach, VA

Time Investment Company, Inc. West Bend, WI

Toyota Industries Commercial Finance, Inc. Dallas, TX

Toyota Motor Credit Corporation Plano, TX

United Auto Credit Corporation Newport Beach, CA

United Consumer Financial Services Company Westlake, OH

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 45



SALES FINANCE COMPANIES (continued)

Institution Location

UNIVERSAL ACCEPTANCE CORPORATION (NE) Minnetonka, MN

Universal Guardian Acceptance, LLC Parkville, MO

Vanderbilt Mortgage and Finance, Inc. Maryville, TN

Vantage Finance, LLC Elkhorn, NE

Verizon Wireless Services, LLC Basking Ridge, NJ

Veros Credit, LLC Santa Ana, CA

VFS US LLC Greensboro, NC

Volvo Car Financial Services U.S., LLC Mahwah, NJ

VW Credit, Inc. Libertyville, IL

Westlake Services, LLC Los Angeles, CA

Yamaha Motor Finance Corporation, U.S.A. Cypress, CA

As of 6/30/21, Nebraska had 98 Sales Finance Company Licenses.

Scott Peter, FI Non Depository Review Examiner

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 46



(for the period ending June 30, 2021)

MONEY TRANSMITTER LICENSEES

Institution Location

ACI Payments, Inc. Elkhorn, NE

Adyen, Inc. San Francisco, CA

Airbnb Payments, Inc. San Francisco, CA

Airwallex US, LLC San Francisco, CA

Alipay US, Inc. Sunnyvale, CA

AllPaid, Inc. Indianapolis, IN

Amaana Money Transfer CO Minneapolis, MN

Amal Financial Inc. Chicago, IL

Amazon Payments, Inc. Seattle, WA

American Express Prepaid Card Management Corporation Phoenix, AZ

American Express Travel Related Services Company, Inc. New York, NY

Apiﬁny Asset Network Inc. Hoboken, NJ

Apple Payments Inc. Cupertino, CA

AscendantFX Capital USA, Inc. Pleasant Hill, CA

Associated Foreign Exchange, Inc. Woodland Hills, CA

AvidXchange, Inc. Charlotte, NC

Bakkt Marketplace, LLC Alpharetta, GA

BAM Trading Services Inc. San Francisco, CA

BANANA PAY, LLC Minneapolis, MN

BARRI MONEY SERVICES, LLC Houston, TX

Betrlink, LLC New York, NY

Bill.com, LLC San Jose, CA

BillGO MT, Inc. Fort Collins, CO

bitFlyer USA, Inc. San Francisco, CA

BitPay, Inc. Alpharetta, GA

BitRail, LLC Atlanta, GA

Bitstamp USA, Inc. New York, NY

Bittrex, Inc. Seattle, WA

Blackhawk Network California, Inc. Pleasanton, CA

BlockFi Trading LLC Jersey City, NJ

Brex Payments LLC San Francisco, CA

CAMBRIDGE MERCANTILE CORP. (U.S.A.) New York, NY

CEX.IO CORP. Jersey City, NJ

Check Payments LLC New York, NY

CheckFreePay Corporation Alpharetta, GA

Chime Inc. Boston, MA

Circle Internet Financial, LLC Boston, MA

Coinbase, Inc. San Francisco, CA

Coinme Inc. Seattle, WA

CoinX, Inc. Lehi, UT

CoinZoom, Inc. Salt Lake City, UT

Comdata TN, Inc. Brentwood, TN

Conotoxia, Inc. Chicago, IL

Continental Exchange Solutions, Inc. Buena Park, CA

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 47



MONEY TRANSMITTER LICENSEES (continued)

Institution Location

CrossTower Inc. Jersey City, NJ

CSG Forte Payments, Inc. Allen, TX

DAHAB-SHIL INC Minneapolis, MN

DFS GSD Corp. Phoenix, AZ

E*TRADE Financial Corporate Services, Inc. Alpharetta, GA

eBay Commerce Inc. San Jose, CA

EMOOLA INC. City of Industry, CA

ENRAMEX INC Wheat Ridge, CO

Envios de Valores La Nacional Corp. Littleton, CO

Eris Clearing, LLC Chicago, IL

Ethos Group Payment Services, Inc. Irving, TX

eToro USA LLC Hoboken, NJ

Everi Payments Inc. Las Vegas, NV

Expensify Payments LLC Portland, OR

Facebook Payments Inc. Menlo Park, CA

FasterPay Inc. Las Vegas, NV

Figure Payments Corporation San Francisco, CA

Finxera, Inc. San Jose, CA

Flywire Global Corp. Boston, MA

Foris DAX, Inc. Jacksonville, FL

Gemini Trust Company, LLC New York, NY

Google Payment Corp. Mountain View, CA

GPS Capital Markets, Inc. South Jordan, UT

Green Dot Corporation Pasadena, CA

GSC Enterprises, Inc. Sulphur Springs, TX

Hodan Global Money Services, Inc Minneapolis, MN

IDT Payment Services, Inc. Newark, NJ

Incomm Financial Services, Inc. Columbus, GA

Integrated Payment Systems Inc. Alpharetta, GA

Intercambio Express, Inc. Elkhart, IN

Intermex Wire Transfer, LLC Miami, FL

Internet Escrow Services, Inc. San Francisco, CA

Intuit Payments Inc. Mountain View, CA

INX Digital, Inc. Gaithersburg, MD

JHA Money Center, Inc. Monett, MO

JPay LLC Miramar, FL

JUBAXPRESS, INC Minneapolis, MN

KAAH EXPRESS, F.S. INC. Minneapolis, MN

Keefe Commissary Network, L.L.C. Saint Louis, MO

Klarna Inc. Columbus, OH

LL Pay U.S., LLC New York City, NY

LUCKY MONEY, INC. San Francisco, CA

Mastercard Transaction Services (US) LLC New York, NY

Maxitransfers LLC Irving, TX

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 48



MONEY TRANSMITTER LICENSEES (continued)

Institution Location

Mazooma, Inc. Atlanta, GA

Mercari, Inc. Palo Alto, CA

Money Management International, Inc. Sugar Land, TX

Moneycorp US Inc. Providence, RI

Moneydart Global Services Inc. Iselin, NJ

MoneyGram Payment Systems, Inc. Minneapolis, MN

MoonPay USA LLC Miami, FL

MSB USA Inc Atlanta, GA

Nebraska Money Order Associates, Inc. Lincoln, NE

NetSpend Corporation Austin, TX

NIC Services, LLC Olathe, KS

Novi Financial, Inc. Menlo Park, CA

NYDIG Execution LLC New York, NY

NYDIG Trust Company LLC New York, NY

OKCoin USA Inc. San Francisco, CA

OLYMPIC FINANCIAL GROUP INC Minneapolis, MN

Omnex Group, Inc. Englewood Cliffs, NJ

Order Express, Inc. Chicago, IL

Pangea USA, LLC Chicago, IL

Parallel Payments Inc. Plano, TX

Paychex Holdings, LLC Rochester, MN

PayNearMe MT, Inc. Santa Clara, CA

Payoneer Inc. New York, NY

PayPal, Inc. San Jose, CA

Paypool LLC Washington, DC

Paysend US LLC Palo Alto, CA

PINGPONG GLOBAL SOLUTIONS INC San Mateo, CA

PNC Global Transfers, Inc. Houston, TX

Pronto Money Transfer Inc. Manhattan Beach, CA

Provenance Technologies, Inc. San Francisco, CA

Rakuten Card USA, Inc. San Mateo, CA

RAM Payment, LLC Knoxville, TN

RealNet Payments LLC Milwaukee, WI

RealPage Payments Services LLC Richardson, TX

Remitly, Inc. Seattle, WA

River Financial Inc. San Francisco, CA

Robinhood Crypto, LLC Menlo Park, CA

Robinhood Money, LLC Menlo Park, CA

Servicio UniTeller, Inc. Rochelle Park, NJ

SGS CORPORATION Sylmar, CA

Sigue Corporation Sylmar, CA

Skrill USA, Inc. Miami, FL

Soﬁ Digital Assets, LLC San Francisco, CA

Square Money Services, Inc. San Francisco, CA

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 49



MONEY TRANSMITTER LICENSEES (continued)

Institution Location

Square, Inc. San Francisco, CA

StoneX Payment Services Ltd. Seattle, WA

Stripe Payments Company San Francisco, CA

TAAJ SERVICES US LLC Minneapolis, MN

Tango Card, Inc. Seattle, WA

TapTap Send Payments Co. Long Island City, NY

Tempus, Inc. Washington, DC

The Currency Cloud Inc. New York, NY

The Smart Group, L.P. dba SmartNote Leander, TX

Tilia Inc. San Francisco, CA

Tipalti, Inc. San Mateo, CA

TouchPay Holdings, LLC Dallas, TX

TradeStation Crypto, Inc. Plantation, FL

Transfermate, Inc. Chicago, IL

tZERO Crypto, Inc. Midvale, UT

USForex Inc. San Francisco, CA

Veem Payments Inc. San Francisco, CA

VIAMERICAS CORPORATION Bethesda, MD

Visa Global Services Inc. Foster City, CA

Wave Financial USA Inc. Denver, CO

Western Union Business Solutions (USA), LLC Denver, CO

Western Union Financial Services, Inc. Denver, CO

Western Union International Services, LLC Denver, CO

WEX Payments Inc. South Portland, ME

Wise US Inc. New York, NY

WorldRemit Corp. Denver, CO

Wyre Payments, Inc. San Francisco, CA

YapStone, Inc. Walnut Creek, CA

Yardi Payments, LLC Santa Barbara, CA

Zero Hash LLC Chicago, IL

As of 6/30/21, Nebraska had 162 Money Transmitter Company Licenses.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 50



(for the period ending June 30, 2021)

MORTGAGE BANKERS

Institution Location

1st United Mortgage, LLC Lincoln, NE

21st Mortgage Corporation Knoxville, TN

AAFMAA Mortgage Services LLC Morrisville, NC

ABM Funding Inc. Henderson, NV

Academy Mortgage Corporation Draper, UT

Accelerate Mortgage, LLC Newark, DE

Aﬃnity Mortgage, L.L.C. Lenexa, KS

AHP Servicing LLC Chicago, IL

AKSARBEN MORTGAGE, LLC Omaha, NE

All American Home Mortgage L.L.C. Henderson, NV

Altisource Fulﬁllment Operations, Inc. St. Louis, MO

Amcap Mortgage, Ltd. Houston, TX

America's Moneyline, Inc. Aliso Viejo, CA

American Advisors Group Irvine, CA

American Financial Network, Inc. Brea, CA

American Financial Resources, Inc. Parsippany, NJ

American Financing Corporation Aurora, CO

American Heritage Lending, Inc. Costa Mesa, CA

American Internet Mortgage, Inc. San Diego, CA

American Neighborhood Mortgage Acceptance Company LLC Mount Laurel, NJ

American Paciﬁc Mortgage Corporation Roseville, CA

American Portfolio Mortgage Corporation Palatine, IL

Ameriﬁrst Financial, Inc. Mesa, AZ

AmeriFirst Home Improvement Finance, LLC Omaha, NE

Amerisave Mortgage Corporation Atlanta, GA

AmRes Corporation Trevose, PA

Angel Oak Mortgage Solutions LLC Atlanta, GA

Arc Home LLC Mount Laurel, NJ

Ark-La-Tex Financial Services, LLC Plano, TX

Armentum, LLC Phoenix, AZ

Ascentus One Corporation Tampa, FL

Associated Properties, Inc. Laguna Beach, CA

Assurance Financial Group, L.L.C. Baton Rouge, LA

Assurance IQ, LLC Seattle, WA

Avenu, LLC Salt Lake City, UT

Bankrate, LLC Palm Beach Gardens, FL

Barclays Bank PLC New York, NY

BASE MSR 2, LLC Santa Rosa, CA

Bay Equity LLC Corte Madera, CA

Bay-Valley Mortgage Group Garden Grove, CA

Beltway Capital, LLC Hunt Valley, MD

Best Rate Holdings, LLC Clearwater, FL

Many licensees operate under a trade name. Trade names are not listed in this Report.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 51



MORTGAGE BANKERS (continued)

Institution Location

Better Lending LLC Des Plaines, IL

Better Mortgage Corporation New York, NY

Better Rate Mortgage, Inc. Roseville, CA

Bills.com, LLC Tempe, AZ

Binomial Real Estate L.L.C. Salt Lake City, UT

BNP Paribas New York, NY

BofA Merrill Lynch Asset Holdings, Inc. New York, NY

BowHattan Holdings, Inc. Carlsbad, CA

Broker Solutions, Inc. Tustin, CA

CalCon Mutual Mortgage LLC San Diego, CA

Caliber Home Loans, Inc. Coppell, TX

Canopy Mortgage, LLC Lindon, UT

Capital City Mortgage, Inc. Lincoln, NE

Cardinal Financial Company, Limited Partnership Charlotte, NC

Carrington Mortgage Services, LLC Anaheim, CA

Castle & Cooke Mortgage, LLC Draper, UT

Castle Mortgage Corporation San Diego, CA

CEL Lending LLC Aliso Viejo, CA

Centennial Lending, LLC Firestone, CO

CGB Agri Financial Services, Inc. Louisville, KY

Change Lending, LLC Irvine, CA

Chaos Home Loans LLC Las Vegas, NV

Chartwell Financial, LLC Oak Brook, IL

Cherry Creek Mortgage, LLC Greenwood Village, CO

Chimera Funding TRS LLC New York, NY

Christopher Malouf & Associates, Inc. Arvada, CO

Churchill Mortgage Corporation Brentwood, TN

CIS Financial Services, Inc. Hamilton, AL

CITADEL SERVICING CORPORATION Lake Forest, CA

Citi GSM Portfolio LLC New York, NY

Citimortgage, Inc. O'Fallon, MO

City First Mortgage Services, L.L.C. Bountiful, UT

Citywide Home Loans, LLC Sandy, UT

ClearPath Lending Irvine, CA

CMC Funding, Inc. Ponte Vedra Beach, FL

CMG Mortgage, Inc. San Ramon, CA

Cognizant Mortgage Services Corporation Irving, TX

Colliers Funding LLC Minneapolis, MN

Community Loan Servicing, LLC Coral Gables, FL

Compu-Link Corporation Lansing, MI

Consolidated Analytics, Inc. Anaheim, CA

Cornerstone First Mortgage, Inc. San Diego, CA

Cornerstone Home Lending, Inc. Houston, TX

Many licensees operate under a trade name. Trade names are not listed in this Report.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 52



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

Credible Operations, Inc. Durham, NC

Credit Karma Mortgage, Inc. Oakland, CA

Credit Suisse First Boston Mortgage Capital LLC New York, NY

CrossCountry Mortgage, LLC Brecksville, OH

CUW Solutions, LLC Radnor, PA

DAS Acquisition Company, LLC St. Louis, MO

DATA MORTGAGE, INC. Orange, CA

Deephaven Mortgage LLC Charlotte, NC

Delmar Financial Company St. Louis, MO

DHI MORTGAGE COMPANY, LTD. Austin, TX

Digital Risk Mortgage Services, LLC Maitland, FL

DLJ Mortgage Capital, Inc. New York, NY

Dovenmuehle Mortgage, Inc. Lake Zurich, IL

Draper and Kramer Mortgage Corp. Downers Grove, IL

Dyck-O'Neal, Inc. Dallas, TX

DynAMC Solutions, LLC New York, NY

Dynamic Mortgage Concepts, Inc Fort Collins, CO

Eagle Mortgage, Inc. Omaha, NE

East Coast Capital Corp. Melville, NY

Elkhorn Depositor LLC New York, NY

Embrace Home Loans, Inc. Middletown, RI

Encompass Lending Group, LP. Katy, TX

Envoy Mortgage Ltd Houston, TX

Equity Prime Mortgage LLC Atlanta, GA

EVEN FINANCIAL INC. New York City, NY

Everest Mortgage LLC Omaha, NE

Everett Financial, Inc. Dallas, TX

Evolve Mortgage Services, LLC Frisco, TX

Fairway Independent Mortgage Corporation Madison, WI

Fay Servicing, LLC Tampa, FL

FBC Mortgage, LLC Orlando, FL

FCI Lender Services, Inc. Anaheim Hills, CA

Figure Lending LLC Charlotte, NC

Finance 1, LLC Omaha, NE

Finance of America Mortgage LLC Conshohocken, PA

Finance of America Reverse LLC Tulsa, OK

Financial Funding Solutions, Inc. Littleton, CO

First Financial Mortgage Services LLC Overland Park, KS

First Guaranty Mortgage Corporation Plano, TX

First Heritage Financial, LLC Trevose, PA

First Mortgage Solutions, LLC Kansas City, MO

First National Financing Inc. Denver, CO

FIRST OMAHA REAL ESTATE MORTGAGE LLC Omaha, NE

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 53



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

First Option Mortgage, LLC Atlanta, GA

First Security Mortgage Company Lincoln, NE

FirstKey Mortgage, LLC New York, NY

Fiscus, Karla Bayard, NE

Flanagan, Clifford P Lincoln, NE

Flat Branch Mortgage, Inc. Columbia, MO

Forethought Life Insurance Company Indianapolis, IN

Franklin Credit Management Corporation Jersey City, NJ

Franklin Loan Corporation Palm Desert, CA

Freedom Loan Services Corporation Fishers, IN

Freedom Mortgage Corporation Boca Raton, FL

FreeRateUpdate.com LLC Chadds Ford, PA

Frontier Financial Inc. Chesterﬁeld, MO

Full Beaker, Inc. Bellevue, WA

Geneva Financial, LLC Chandler, AZ

Genworth Financial Services, Inc. Raleigh, NC

Gershman Investment Corp. Chesterﬁeld, MO

Gold Star Mortgage Financial Group, Corporation Ann Arbor, MI

Goldenrod Investments, LLC Omaha, NE

Goldman Sachs Mortgage Company New York, NY

GoodLeap, LLC Roseville, CA

Goodman Mortgage Corporation Omaha, NE

Gooi Mortgage, Inc. Des Moines, IA

Grander Mortgage Capital, LLC Atlanta, GA

Graystone Funding Company, LLC Salt Lake City, UT

Great Plains Mortgage Company, LLC Loveland, CO

Gregory Funding LLC Tigard, OR

Guaranteed Rate Aﬃnity, LLC Chicago, IL

Guaranteed Rate, Inc. Chicago, IL

Guaranty Home Mortgage Corporation Nashville, TN

Guardian Property Services LLC Omaha, NE

Guild Mortgage Company LLC San Diego, CA

Hi Financial, LLC Scottsdale, AZ

Highlands Residential Mortgage, Ltd. Allen, TX

Home Loan Arrangers LLC Olathe, KS

HOME MORTGAGE ALLIANCE CORPORATION (HMAC) Santa Ana, CA

Home Point Financial Corporation Ann Arbor, MI

Home Point Mortgage Acceptance Corporation Farmers Branch, TX

HomeBridge Financial Services, Inc. Iselin, NJ

Homeowners Financial Group USA, LLC Scottsdale, AZ

HomePride Acceptance, Inc. Sioux Falls, SD

HomeServices Lending, LLC West Des Moines, IA

Homeside Financial, LLC Columbia, MD

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 54



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

Homestar Financial Corporation Gainesville, GA

Homestead Funding Corp. Albany, NY

HOMETOWN LENDERS, INC. Huntsville, AL

Impac Mortgage Corp. Irvine, CA

Indecomm Holdings, Inc. Edison, NJ

Infosys BPO Americas, LLC Atlanta, GA

Integrity Property Financial Services LLC Troy, MI

Intercap Lending Inc. Draper, UT

InterLinc Mortgage Services, LLC Houston, TX

Intuit Mortgage Inc. Mountain View, CA

Iowa Bankers Mortgage Corporation Johnston, IA

James B. Nutter & Company Kansas City, MO

Janike, Scott, E. Lincoln, NE

JFQ Lending, Inc. Scottsdale, AZ

JMJ FINANCIAL GROUP Aliso Viejo, CA

Keller Mortgage, LLC Dublin, OH

Kind Lending, LLC Santa Ana, CA

Kondaur Capital, LLC Orange, CA

Lakeview Community Capital, LLC Horsham, PA

Lakeview Loan Servicing, LLC Coral Gables, FL

Land Home Financial Services, Inc. Concord, CA

Lattice Thinking, Inc. Nashville, TN

LeaderOne Financial Corporation Overland Park, KS

LeadPoint, Inc. Los Angeles, CA

Lend Smart Mortgage, LLC Shoreview, MN

Lendage, LLC San Mateo, CA

LenderFi, Inc. Delray Beach, FL

LenderLive Network, LLC Greenwood Village, CO

Lendgo, Inc. Beverly Hills, CA

LendingTree, LLC Charlotte, NC

LendSure Mortgage Corp. San Diego, CA

Liberty Home Mortgage Corporation Independence, OH

Lime Residential, Ltd. New York, NY

Lincoln Financial, Inc. Wayne, NE

Lipsky & Associates, Inc. Weatherford, TX

LMB Mortgage Services, Inc. Playa Vista, CA

Loan Simple, Inc. Englewood, CO

LoanCare, LLC Virginia Beach, VA

loanDepot.com, LLC Foothill Ranch, CA

LoanSnap, Inc. Costa Mesa, CA

LoanUnited.com, LLC Norcross, GA

Loanworks Servicing LLC Shelton, CT

Logan Finance Corporation Denver, CO

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 55



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

Long Lake MSR, Inc. Troy, MI

Longbridge Financial, LLC Mahwah, NJ

Low VA Rates, LLC Lindon, UT

LRML Acquisition LLC Chicago, IL

Lutheran Church Extension Fund-Missouri Synod St. Louis, MO

Lynx Whole Loan Acquisition LLC Denver, CO

Matrix Financial Services Corporation Minnetonka, MN

MAXEX Clearing LLC Atlanta, GA

Maxwell Lender Solutions, Inc. Denver, CO

McCown, James, P Lincoln, NE

MCLP Asset Company, Inc. New York, NY

Megastar Financial Corp. Denver, CO

Member First Mortgage, LLC Grand Rapids, MI

Members Mortgage Services, L.L.C. Hutchinson, KS

Meridian Home Mortgage Corporation Westminster, MD

Merrill Lynch Mortgage Lending, Inc. New York, NY

Metro Financial Services, Inc. Sacramento, CA

MGIC Mortgage Services, LLC Milwaukee, WI

Mid America Mortgage, Inc. Addison, TX

Mid-Continent Funding, Inc. Columbia, MO

Midwest Family Lending Corporation Urbandale, IA

Millennial Home Lending, Inc. Chatsworth, CA

Millennium Mortgage Group, LLC Henderson, NV

Mission Loans, LLC North Canton, OH

MLD Mortgage Inc. Florham Park, NJ

Morgan Stanley Mortgage Capital Holdings LLC New York, NY

Moria Development, Inc. Tempe, AZ

Mortgage Assets Management, LLC Austin, TX

Mortgage Investment Services Corporation Shawnee, KS

Mortgage Research Center, LLC Columbia, MO

Mortgage Solutions of Colorado, LLC Colorado Springs, CO

Mortgage Specialists, LLC Omaha, NE

Mortgage Support Services, LLC Fulton, MO

Morty, Inc. New York, NY

Movement Mortgage, LLC Indian Land, SC

Mr. Charles Mortgage L.L.C. Omaha, NE

MSR Asset Vehicle LLC Atlanta, GA

MTGLQ Investors, L.P. New York, NY

Mutual of Omaha Mortgage, Inc. San Diego, CA

myCUmortgage, LLC Beavercreek, OH

National Asset Mortgage, LLC Columbia, SC

NATIONS LENDING CORPORATION Independence, OH

Nations Reliable Lending, LLC Houston, TX

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 56



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

Nationstar Mortgage LLC Dallas, TX

Neighborhood Assistance Corporation of America Boston, MA

Neighborhood Loans, Inc. Downers Grove, IL

NerdWallet Compare, Inc. San Francisco, CA

New Day Financial, LLC Fulton, MD

New Residential Mortgage LLC New York, NY

NewRez LLC Fort Washington, PA

NEXA Mortgage, LLC Chandler, AZ

Nexus Nova LLC Minneapolis, MN

NMSI, Inc. Los Angeles, CA

Northern Lakes Mortgage LLC Ballwin, MO

Nova Financial & Investment Corporation Tucson, AZ

NWL Company, LLC New York, NY

Oceanside Mortgage Company Toms River, NJ

Ocwen USVI Services, LLC St. Croix, VI

On Q Financial, Inc. Tempe, AZ

On the Barrelhead, Inc. Durango, CO

One Reverse Mortgage, LLC Detroit, MI

OneMain Financial Group, LLC Baltimore, MD

OneMain Mortgage Services, Inc. Evansville, IN

Onslow Bay Financial LLC New York, NY

Open Mortgage, LLC Austin, TX

OptionWide Financial Corporation Costa Mesa, CA

Panorama Mortgage Group, LLC Las Vegas, NV

Paramount Residential Mortgage Group, Inc. Corona, CA

Parkside Lending, LLC San Francisco, CA

Peklava LLC New Canaan, CT

PENNYMAC CORP. Westlake Village, CA

PennyMac Holdings, LLC Westlake Village, CA

PennyMac Loan Services, LLC Westlake Village, CA

Performance Equity Partners, Inc. Tinley Park, IL

Petrovich Team Home Loan LLC Papillion, NE

PHH Mortgage Corporation Mt. Laurel, NJ

Pillar Financial, Inc. Omaha, NE

Pingora Loan Servicing, LLC Denver, CO

Pitch Edison Financial, LLC Papillion, NE

Planet Home Lending, LLC Meriden, CT

Plateau Data Services, LLC Scottsdale, AZ

Platinum Home Mortgage Corporation Rolling Meadows, IL

Plaza Home Mortgage, Inc. San Diego, CA

Podium Mortgage Capital LLC Salt Lake City, UT

Polaris Home Funding Corp. Grandville, MI

Premia Mortgage, LLC Troy, MI

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 57



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

Premier Home Loans, Inc. Lone Tree, CO

Premier Lending Alliance, LLC Johnston, IA

Premier Processing, LLC Philadelphia, PA

Primary Residential Mortgage, Inc. Salt Lake City, UT

Primerica Mortgage, LLC Duluth, GA

Promontory MortgagePath LLC Danbury, CT

Prosper Marketplace, Inc. San Francisco, CA

Prosperity Home Mortgage, LLC Chantilly, VA

Provident Funding Associates, L.P. Burlingame, CA

Quantum Servicing Corporation Tampa, FL

Quicken Loans, LLC Detroit, MI

QuinStreet Media, Inc. Santa Monica, CA

Radian Lender Services LLC Philadelphia, PA

Radian Mortgage Capital LLC Denver, CO

Rate Rabbit, Inc. San Diego, CA

RBS Financial Products Inc. Stamford, CT

Real Time Resolutions, Inc. Dallas, TX

ReallyGreatRate, Inc. El Segundo, CA

Recovco Mortgage Management, LLC Irving, TX

Redwood Residential Acquisition Corporation Mill Valley, CA

Regent Financial Group, Inc. Omaha, NE

Reliance First Capital, LLC Melville, NY

Reliant Loan Servicing, LLC Berwyn, PA

Renovation Finance LLC Philadelphia, PA

Residential Acceptance Corporation Tampa, FL

Resolution Capital, L.P. Dallas, TX

Reverse Mortgage Funding LLC Bloomﬁeld, NJ

Reverse Mortgage Solutions, Inc. Houston, TX

Robert C. Devine DBA Approval Plus Mortgage Services Collegeville, PA

Rotella Mortgage, Inc. Ralston, NE

RoundPoint Mortgage Servicing Corporation Fort Mill, SC

Ruoff Mortgage Company, Inc. Fort Wayne, IN

Rushmore Loan Management Services LLC Dallas, TX

RWT Financial, LLC Naperville, IL

Sagamore Hill LLC Dallas, TX

SCL Mortgage, LLC Lone Tree, CO

Scratch Services, LLC San Francisco, CA

Secured Mortgage Processing, LLC Mesa, AZ

SecurityNational Mortgage Company Salt Lake City, UT

Select Portfolio Servicing, Inc. West Valley City, UT

Selene Finance LP Houston, TX

Semper Home Loans, Inc. Providence, RI

Seneca Mortgage Servicing LLC Newtown, CT

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 58



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

Institution Location

Service Finance Company, LLC Boca Raton, FL

ServiceMac, LLC Fort Mill, SC

Servion, Inc. New Brighton, MN

Servis One, Inc. Irving, TX

SG Capital Partners LLC Stamford, CT

Shotbolt Mortgage Corporation Omaha, NE

Sierra Paciﬁc Mortgage Company, Inc. Folsom, CA

SIRVA Mortgage, Inc. Independence, OH

Siwell, Inc. Lubbock, TX

SN Servicing Corporation Baton Rouge, LA

Sodak Home Loans LLC Sioux Falls, SD

SoFI Lending Corp. Cottonwood Heights, UT

Sortis Financial, Inc. Plano, TX

Sourcepoint, Inc. Palm Bay, FL

Southwest Funding, LP Dallas, TX

Southwest Stage Funding, LLC Chandler, AZ

Sovereign Lending Group Incorporated Costa Mesa, CA

Specialized Loan Servicing LLC Greenwood Village, CO

Spring EQ, LLC Philadelphia, PA

Sprout Mortgage, LLC Port Saint Lucie, FL

Statebridge Company, LLC Greenwood Village, CO

Stearns Lending, LLC Lewisville, TX

Strong Home Mortgage, LLC Manassas, VA

SUMMIT FUNDING, INC. Sacramento, CA

Summit Mortgage Group, LLC Omaha, NE

Sun West Mortgage Company, Inc. Buena Park, CA

Sutherland Mortgage Services, Inc. Sugar Land, TX

Sutton Funding LLC New York, NY

SWBC Mortgage Corporation San Antonio, TX

Swift Mortgage, LLC Dallas, TX

Symmetry Lending, LLC Atlanta, GA

Synergy One Lending, Inc. San Diego, CA

Tailored Mortgage Group Inc Sioux Falls, SD

TCS e-Serve International Limited Dallas, TX

TEAM USA MORTGAGE L.L.C. Bloomington, IL

THE MONEY SOURCE INC. Phoenix, AZ

THE WISDOM COMPANIES, LLC El Segundo, CA

Thompson Kane & Company, Inc. Madison, WI

Thrive Mortgage, LLC Georgetown, TX

TJC Mortgage, Inc. Birmingham, AL

Total Mortgage Services, LLC Milford, CT

Towne Mortgage Company Troy, MI

Traditional Mortgage Acceptance Corporation Bellevue, WA

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 59



MORTGAGE BANKERS (continued)

Many licensees operate under a trade name. Trade names are not listed in this Report.

As of 6/30/21, Nebraska had 426 Mortgage Banker Company Licenses.

Institution Location

Triad Financial Services, Inc. Jacksonville, FL

Trident Home Loans, LLC Pensacola, FL

Trinity Financial Services, LLC Newport Beach, CA

TruHome Solutions, LLC Lenexa, KS

U.S. Home Mortgage, Inc Lincoln, NE

Union Home Mortgage Corp. Strongsville, OH

United Asset Management, LLC Huntington Beach, CA

United Fidelity Funding Corp. Kansas City, MO

United Guaranty Services, Inc. Greensboro, NC

United Mortgage Corp. Melville, NY

UNITED SECURITY FINANCIAL CORP Murray, UT

United Wholesale Mortgage, LLC Pontiac, MI

Universal Lending Corporation Denver, CO

Urban Fulﬁllment Services, LLC Highlands Ranch, CO

US Mortgage Corporation Melville, NY

V.I.P. Mortgage, Inc. Scottsdale, AZ

Valley West Corporation Las Vegas, NV

Valon Mortgage, Inc. Chandler, AZ

Van Buren Mortgage, LLC Woodbridge, VA

Vanderbilt Mortgage and Finance, Inc. Maryville, TN

Venditor, LLC Overland Park, KS

Vertical Launch, LLC Heath, TX

Verus Residential Loanco, LLC Washington, DC

Village Capital & Investment LLC Henderson, NV

Vista Point Mortgage, LLC Irvine, CA

VRM LENDING LLC Pomona, CA

Wallick & Volk, Inc. Cheyenne, WY

Wells Fargo Clearing Services, LLC St. Louis, MO

Wells Fargo USA Holdings, Inc. Des Moines, IA

WeMortgage, LLC Scottsdale, AZ

West Coast Servicing, Inc. Huntington Beach, CA

Weststar Mortgage Corporation Albuquerque, NM

Wilhelm Mortgage Inc. Omaha, NE

Williams Mortgage, LLC Missouri Valley, IA

Wipro Gallagher Solutions, LLC Atlanta, GA

Wyndham Capital Mortgage, Inc. Charlotte, NC

Zenta Mortgage Services, LLC Charlotte, NC

Zillow Group Marketplace, Inc. Seattle, WA

Zillow Home Loans, LLC Overland Park, KS

Zimmerman Mortgage Corporation Omaha, NE

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 60



Bureau of Securities

Licensees/Registrants by the Numbers

Bureau of Securities

(Registered)

6/30/2015 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021

Broker-Dealers

1,373 1,364 1,358 1,355 1,333 1,317 1,322

Agents of Broker-Dealers

98,286 102,745 103,184 106,578 109,865 112,442 118,192

Investment Advisers

109 112 100 94 98 101 96

Federal Covered Advisers

1,273 1,319 1,371 1,398 1,456 1,551 1,673

Investment Adviser

Representatives

3,911 4,035 4,251 4,329 4,374 4,503 4,490

New Registrations

Broker-Dealers 71

Agents of Broker-Dealers 27,299

Investment Advisers 11

Federal Covered Advisers

245

Investment Adviser

Representatives

736

6/30/2021

Loan Brokers (for the period ending 6/30/2021)

Institution City State

4MMONSON Enterprises LLC Lincoln Nebraska

Check into Cash of Nebraska, Inc. Cleveland Tennessee

Commercial Loan Solutions, LLC Omaha Nebraska

Fundera, Inc. New York New York

Institution City State

Funding4U, LLC Miami Florida

Happy Money, Inc. Tustin California

Intuit Financing Inc. d/b/a Intuit Mint and Intuit Turobo Mountain View California

Intuit Financing Inc. d/b/a Refund Advance Mountain View California

Jones Lang LaSalle Americas, Inc. Chicago Illinois

MM Finance, LLC Bellevue Nebraska

Pioneer Military Credit LLC Kansas City Missouri

RockBridge Capital, LLC Columbus Ohio

The Borrowing Club, LLC Boca Raton Florida

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 61



Enforcement Actions

6/30/2019 6/30/2020 6/30/2021

Investigations Initiated

18 30 24

Investigations Closed

15 29 14

Cease & Desist Orders

0 1 2

Denials

0 0 0

License Revocations

0 0 0

Permanent Injunctions

0 0 0

Criminal Referrals

1 0 0

Criminal Convictions

0 0 0

Consent Orders

3 3 1

Number of ﬁnes, penalties, costs and

unregistered securities assessed

3 3 1

Samantha Billings, Securities Analyst II

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 62



SECURITIES OFFERINGS FILED

INITIAL FILINGS—Type Paper Filing Electronic Filing Total

Stock 0 0 0

Debt 0 0 0

Partnership 1 0 1

Mutual Funds 86 1,019 1,105

Unit Investment Trusts 1,339 0 1,339

Other 33 22 55

TOTAL OF INITIAL FILINGS 1,459 1,041 2,500



RENEWALS AND ADDITIONALS

 

Additionals 95 4,520 4,615

Mutual Fund Renewals 464 22,923 23,387

Other Renewals 0 0 0

SUBTOTAL 559 27,443 28,002

Withdrawn 1 4 5

TOTAL RENEWALS AND ADDITIONALS 558 27,439 27,997

GRAND TOTAL OF SECURITIES OFFERINGS FILED 2,017 28,480 30,497

EXEMPTION FILINGS

Uniform Limited Offering Exemption (ULOE) 9 570 579

Intrastate (Form SODD) 1 0 1

§ 8-1111(9) Exemptions 78 0 78

Other Exemptions 3 3 3

Reg A Tier 2



SUBTOTAL



729

Exemption Withdrawals



TOTAL EXEMPTIONS



816

BUSINESS OPPORTUNITY FILINGS

 

New Business Opportunity Filings 0 0 0

Business Opportunity Renewals 3 0 3

TOTAL FILINGS 3 0 3



§ 59-1722 Franchise Exemptions 235 0 235



Securities registrations and exemptions (for the period of June 30, 2021)

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 63



Historical Data — Securities Act Cash Fund Status

Year

Income

Securities Fund

Expense

Funds Used by Financial

Institutions Division

Transferred to State of

Nebraska General Fund

Ending Balance

2016 28,112,208 1,399,075 30,000,000 18,356,599

2017 26,892,788 1,475,595 30,000,000 13,773,793

2018 27,467,898 1,488,948 30,000,000 9,752,742

2019

27,930,591 1,622,742 32,000,000 4,060,591

2020

26,824,753 1,680,080 27,000,000 2,205,264

2021

34,024,193 1,624,552 25,900,000 8,704,905

Historical Data — Issuer Applications

Year

Number of Registrations Amount of Issued Registrations in Dollars

Registrations Denied or

Withdrawn

2016

33,407 21,648,937,000 17

2017

35,035 20,680,820,000 11

2018

34,628 21,077,422,000 4

2019

34,165 21,375,898,000 5

2020

33,118 20,403,500,000 10

2021

30,497 27,255,574,000 5

Historical Data — Registration of Broker-Dealers and Agents

Year

Broker-Dealers

Registered

Number Denied

Cancellations &

Withdrawals

Agents Registered Agents Denied

2016

1,364 0 72 102,745 0

2017

1,358 0 80 103,184 0

2018

1,355 0 3 106,578 0

2019

1,333 0 108 109,865 0

2020

1,317 0 85 112,442 0

2021

1,322 0 66 118,192 0

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 64



Department Leadership Through the Years

Appendix A

1892 to 1895 Richard H. Townley, Secretary, State Banking Board

1895 to 1901 P.L. Hall, Secretary, State Banking Board

1901 to 1917 Edward Royse, Secretary, State Banking Board

1917 to 1919 J.J. Tooley, Secretary, State Banking Board

1919 to 1925 J.E. Hart, Secretary, State Banking Board

1925 to 1927 Kirk Griggs, Secretary, State Banking Board

1927 to 1931 Clarence G. Bliss, Secretary, State Banking Board

1929 to 1931 George W. Woods, Bank Commissioner

1931 to 1933 E.H. Luikart, Secretary, State Banking Board

1933 to 1935 George W. Woods, Deputy Superintendent

1935 to 1939 B.N. Saunders, Superintendent of Banking

1939 to 1943 Wade R. Martin, Director of Banking

1943 to 1947 J. Fred Peters, Director of Banking

1947 to 1959 J.F. McLain, Director of Banking

1959 to 1961 Edwin N. Van Horne, Director of Banking

1961 to 1964 Ralph E. Misko, Director of Banking

1964 to 1966 Henry E. Ley, Director of Banking

1966 to 1967 Byron Dunn, Director of Banking

1967 to 1969 C.R. Haines, Director of Banking

1969 to 1970 Edwin A. Langley, Director of Banking

1971 to 1975 Henry E. Ley, Director of Banking

1975 to 1978 William H. Riley, Director of Banking & Finance

1979 to 1979 Charles W. Mitchell, Acting Director of Banking & Finance

1979 to 1983 Paul J. Amen, Director of Banking & Finance

1983 to 1984 John P. Miller, Director of Banking & Finance

1984 to 1985 Roger M. Beverage, Director of Banking & Finance

1985 to 1985 Roger W. Hirsch, Acting Director of Banking & Finance

1985 to 1987 James C. Barbee, Director of Banking & Finance

1987 to 1991 Cynthia H. Milligan, Director of Banking & Finance

1991 to 1998 James A. Hansen, Director of Banking & Finance

1998 to 1999 Peter M. Graff, Director of Banking & Finance

1999 to 1999 Ray A. Pont, Interim Director of Banking & Finance

1999 to 2004 Samuel P. Baird, Director of Banking & Finance

2004 to 2005 Ray A. Pont, Acting Director of Banking & Finance

2005 to 2014 John Munn, Director of Banking & Finance

2014 to 2015 Ray A. Pont, Acting Director of Banking & Finance

2015 to 2020 Mark Quandahl, Director of Banking & Finance

2020 to Present Kelly Lammers, Director of Banking & Finance

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 65



Historical Data — State-Chartered Commercial Banks

Year

In Operation Total Capital Total Deposits Total Assets

1897 320 $9,321,526 $13,902,940 $23,670,864

1898 324 9,112,456 18,225,180 27,680,475

1899 339 7,895,874 18,740,754 27,053,693

1900 347 8,215,314 22,499,021 30,683,955

1901 381 8,555,074 27,634,116 36,297,246

1902 429 9,987,372 31,279,615 41,350,747

1903 459 9,986,483 33,596,040 44,678,440

1904 482 10,649,382 36,764,743 48,608,440

1905 530 11,926,588 49,047,081 62,193,973

1906 563 12,257,299 54,113,470 67,977,826

1907 601 13,625,641 60,783,452 73,167,880

1908 615 14,376,722 62,583,790 78,719,474

1909 659 15,727,371 71,647,454 89,134,446

1910 664 16,581,971 70,172,423 88,836,697

1911 669 17,134,008 72,192,000 91,893,258

1912 695 18,602,383 80,631,192 102,569,968

1913 715 19,479,801 89,228,696 112,791,202

1914 765 21,463,151 91,393,643 117,634,172

1915 805 23,523,191 111,119,961 141,703,258

1916 845 25,802,915 158,240,184 193,208,902

1917 923 29,365,323 204,175,998 256,277,509

1918 942 31,401,671 231,560,771 277,394,621

1919 1002 36,079,610 270,505,130 325,554,901

1920 1022 38,266,672 246,604,458 309,707,591

1921 987 34,705,961 210,627,624 268,017,163

1922 955 33,244,250 231,582,121 285,249,243

1923 937 32,883,200 237,552,204 284,897,103

1924 920 32,814,742 262,132,117 310,734,386

1925 879 30,767,239 272,564,233 320,826,854

1926 837 30,288,177 267,390,928 313,407,077

1927 855 29,212,913 266,707,861 310,318,622

1928 726 27,976,756 244,660,162 284,070,749

1929 647 25,875,885 187,394,417 222,769,134

1930 580 23,487,536 138,105,586 167,722,915

1931 472 16,727,262 86,421,090 109,621,464

1932 430 15,140,042 62,867,165 84,517,404

1933 381 14,298,072 57,563,987 72,505,998

1934 309 11,324,328 66,540,391 78,269,301

1935 302 11,307,447 69,116,798 80,831,084

1936 301 11,809,016 74,919,950 87,084,090

1937 296 11,466,639 69,261,285 81,639,898

Appendix B

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 66



Historical Data — State-Chartered Commercial Banks (continued)

Year

In Operation Total Capital Total Deposits Total Assets

1938 293 11,621,199 65,573,363 78,140,675

1939 288 12,143,888 69,971,473 81,196,369

1940 284 12,339,843 77,092,644 89,525,065

1941 285 12,884,569 84,936,767 99,040,764

1942 273 13,224,408 134,614,352 147,895,224

1943 275 14,271,379 195,819,709 210,153,432

1944 278 15,439,463 232,311,061 248,027,844

1945 279 16,330,905 261,960,097 278,379,583

1946 282 18,007,659 334,006,685 352,474,541

1947 282 19,839,672 374,999,948 395,523,900

1948 283 21,741,533 367,447,421 389,682,165

1949 283 24,092,119 354,590,644 379,227,765

1950 287 26,510,366 352,452,505 379,771,197

1951 288 28,772,019 375,394,337 404,909,136

1952 287 30,140,895 392,552,248 425,581,807

1953 289 32,934,902 411,170,139 447,965,252

1954 290 37,042,727 414,773,669 453,268,269

1955 292 39,647,391 408,991,675 451,091,638

1956 293 42,536,145 390,189,854 434,790,998

1957 292 44,944,995 394,979,382 443,503,815

1958 293 48,447,514 415,986,871 467,411,647

1959 295 51,525,789 471,421,079 526,906,743

1960 299 56,723,400 465,951,000 528,210,800

1961 300 60,069,000 500,059,000 564,145,000

1962 301 65,255,000 548,373,000 618,917,000

1963 300 68,980,000 601,454,000 679,710,000

1964 303 77,105,000 654,189,000 741,548,000

1965 304 79,705,803 665,398,095 755,454,341

1966 305 85,584,536 724,470,433 821,238,073

1967 308 92,030,994 791,340,315 893,556,155

1968 308 99,159,681 895,981,916 1,007,600,518

1969 311 109,021,675 1,042,536,046 1,176,376,874

1970 312 121,707,930 1,121,140,134 1,275,660,872

1971 312 134,227,083 1,296,993,158 1,465,787,359

1972 316 151,449,647 1,477,030,337 1,673,205,709

1973 322 171,160,456 1,792,977,624 2,015,843,534

1974 324 196,611,779 2,018,984,528 2,341,434,558

1975 328 221,199,058 2,314,527,530 2,604,661,952

1976 329 250,786,000 2,553,728,000 2,844,966,000

1977 322 280,084,000 2,781,804,000 3,122,977,000

1978 335 313,575,000 3,191,859,000 3,550,011,000

1979 336 353,489,000 3,462,379,000 3,895,422,000

1980 340 406,851,000 3,774,973,000 4,268,013,000

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 67



Historical Data — State-Chartered Commercial Banks (continued)

Year

In Operation Total Capital Total Deposits Total Assets

1981 340 457,124,000 4,238,958,000 4,817,262,000

1982 340 504,329,000 4,679,017,000 5,366,954,000

1983 340 554,134,000 5,221,468,000 5,905,803,000

1984 340 591,872,000 5,579,833,000 6,337,343,000

1985 332 602,369,000 5,767,917,000 6,519,664,000

1986 316 587,630,000 5,836,576,000 6,553,386,000

1987 311 593,326,000 5,948,616,000 6,689,535,000

1988 299 633,724,000 6,155,482,000 6,941,344,000

1989 294 673,878,000 6,413,373,000 7,246,867,000

1990 278 719,166,000 6,850,454,000 7,740,897,000

1991 281 775,507,000 7,516,829,000 8,511,052,000

1992 274 835,334,000 7,860,795,000 8,920,189,000

1993 258 871,730,000 8,024,940,000 9,117,993,000

1994 253 900,979,000 8,066,120,000 9,301,831,000

1995 239 997,652,000 8,423,851,000 9,752,609,000

1996 234 1,026,867,000 8,705,436,000 10,100,663,000

1997 229 1,086,698,000 9,238,326,000 10,804,157,000

1998 225 1,110,796,000 9,453,453,000 11,114,113,000

1999 216 1,141,079,000 9,795,909,000 11,670,911,000

2000 204 1,219,339,000 10,542,428,000 12,811,435,000

2001 198 1,340,662,000 11,273,003,000 13,730,070,000

2002 196 1,422,794,000 11,815,637,000 14,486,025,000

2003 192 1,568,094,000 12,933,354,000 15,878,215,000

2004 188 1,869,032,000 13,302,372,000 16,662,927,000

2005 184 1,972,713,000 13,375,402,000 16,859,175,000

2006 187 2,034,579,000 14,142,596,000 17,785,286,000

2007 187 2,168,497,000 14,761,492,000 18,508,808,000

2008 182 2,336,058,000 15,939,780,000 20,141,454,000

2009

180 2,567,620,000 18,175,089,000 22,570,676,000

2010 178 2,617,873,000 19,462,038,000 26,080,785,000

2011

177 2,947,156,000 21,724,542,000 28,415,413,000

2012 174 3,244,149,000 23,263,012,000 30,424,100,000

2013 175 3,419,615,000 25,179,370,000 33,082,737,000

2014 171 3,627,272,000 26,162,527,000 34,809,104,000

2015 167 4,317,764,000 27,412,224,000 37,165,034,000

2016 163 4,244,010,000 28,909,062,000 39,912,461,000

2017 158 4,662,769,000 30,546,253,000 42,098,630,000

2018 156 4,315,129,000 31,058,755,000 38,534,679,000

2019 153 4,751,085,000 34,097,041,000 41,628,517,000

2020 147 5,093,295,000 39,406,291,000 48,094,176,000

2021 146 5,800,979,000 46,575,595,000 55,094,981,000

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 68



Appendix C

6/30/2019 6/30/2020 6/30/2021

ASSETS

Unsecured Credit Card Loans 11,713,834 12,028,303 11,114,320

All Other Unsecured Loans 22,285,628 22,740,764 20,834,732

New Auto Loans 34,112,950 36,925,390 38,568,969

Used Auto Loans 169,345,581 179,731,931 201,539,690

1st Mortgage Real Estate Loans 136,500,093 177,629,382 164,698,486

Other Real Estate Loans 56,574,332 58,117,323 48,143,693

Leases Receivable

Other Member Loans 75,822,755 34,418,450 85,075,212

All Other Loans

TOTAL LOANS $506,355,227 $521,591,543 $569,975,102

Loans Held for Sale 2,728,255 11,320476 7,278,532

Allowance for Loan Losses (4,651,773) (5,290,055) (6,675,023)

Cash 50,185,203 72,244,689 104,695,499

INVESTMENTS

Available for Sale Securities 37,407,560 31,084,985 59,665,544

Held to Maturity Securities 25,472,888 28,439,810 18,193,820

Loan to, Deposits in, Natural Person CUs 70,956,716 15,178,148 12,460,551

U.S. Govt. Obligations

Federal Agency Sec.

All Mutual Funds

Total MCSD and PIC in Corporate 1,626,673 1,477,843 1,608,753

Corp. Central (CD) 2,100,000 6,072,920 2,743,021

Banks and S & Ls (Cert. DEP) 102,100 63,269,628 65,655,443

All Other Investments 755,419 851,500 898,500

TOTAL INVESTMENTS $138,421,356 $134,135,875 $161,225,632

OTHER ASSETS

Land and Bldg. (NET of DEP) 19,274,453 22,630,757 22,650,614

Other Fixed Assets 1,358,249 2,199,990 3,891,905

Foreclosed and Repossessed Assets 155,120 277,308 130,695

Share INS CAP Deposit 5,855,295 6,039,835 7,224,977

Other Assets 20,354,260 24,440,231 26,702,407

TOTAL ASSETS $740,035,645 $782,519,196 $897,100,340

State-Chartered Credit Unions Comparative Statement

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 69



6/30/2019 6/30/2020 6/30/2021

LIABILITIES

Other Borrowings 7,000,000 3,000,000

Reverse Repo Agreement

Subordinated CDCU Debt

DIV/INT Payable 193,315 231,193 109,836

Acct. Payable & Liabilities 9,790,907 7,314,374 11,071,128

TOTAL LIABILITIES $16,984,222 $10,545,567 $11,180,964

SAVINGS/EQUITY

Share Drafts 124,844,279 147,200,118 190,459363

Regular Shares 257,252,719 266,691,076 358,518,785

Money Market Shares 19,843,700 23,195,775 27,101,655

Share Certiﬁcates 127,086,059 130,736,575 115,050,840

IRA/KEOGH Accounts 41,200,999 46,773,430 41,813,659

All Other Shares 13,555,730 14,861,306 16,754,434

Non-Member Deposits 45,342,158 45,827,656 27,890,199

TOTAL SAVINGS $629,125,644 $675,285,936 $777,588,935

Regular Reserves 39,564,126 39,564,839 39,603,706

Investment Valuation Reserve

Uninsured Second Capital

Unrealized G/L A-F-S SEC Gains/(Losses) (192,276) 547,904 (66,825)

Other Reserves 19,157 603,945 604,581

Undivided Earnings 52,514,715 56,983,432 65,723,520

Net Income 122,847 76,827 645,705

Miscellaneous Equity 1,997,210 0 1,819,754

EQUITY TOTAL $94,025,779 $99,162,970 $108,330,441

TOTAL SAVINGS/EQUITY $723,051,423 $771,448,906 $885,919,376

TOTAL LIABILITIES/SAVINGS/EQUITY $740,035,645 $782,519,196 $897,100,340

State-Chartered Credit Unions Comparative Statement (continued)

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 70



Appendix D

6/30/2019 6/30/2020 6/30/2021

4 Companies 4 Companies 4 Companies

ASSETS: ($ Amount in Thousands)

Non-interest Bearing

Deposits-Own Institution

1,239 0 0

Non-interest Bearing

Deposits-Other Institutions

12,068 15,292 19,393

Interest Bearing

Deposits-Own Institutions

0 0 0

Interest Bearing

Deposits-Other Institutions

82,070 98,169 89,846

U.S. Government

and Agency Obligations

381,968 427,053 231,028

State, County

And Municipal Obligations

45,694 38,673 28,865

Money Market Mutual Funds 942,449 1,086,151 1,094,576

Other Short Term Obligations 450 479 157

Other Notes and Bonds 77,919 144,913 229,775

Common and Preferred Stocks 3,262,032 3,558,891 4,146,257

Real Estate Mortgages 72,460 12,098 11,675

Real Estate 89,409 92,642 90,991

Miscellaneous Assets 332,800 347,377 408,293

Total Discretionary Assets $5,300,558 $5,821,738 $6,351,856

Total Non-Discretionary Assets $4,873,679 *$4,829,475 $6,045,538

TOTAL ASSETS $10,174,237 *$10,651,213 $12,397,394

NUMBER OF ACCOUNTS

Total Number of

Discretionary Accounts

2,172 2,253 2,564

Total Number of

Non-Discretionary Accounts

16,122 14,873 13,009

TOTAL NUMBER OF

ACCOUNTS

18,294 17,126 15,573

State-Chartered Trust Companies Comparative Statement

Institution Location

Constellation Trust Company Omaha, Nebraska

Bridges Trust Company Omaha, Nebraska

First Nebraska Trust Company Lincoln, Nebraska

NBC Trust Company Lincoln, Nebraska

*Amended from previous ﬁscal year.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 71



Appendix E

Delayed Deposit Services Licensees

Statement of Income and Expenses for the period January 1, 2020 through December 31, 2020

Schedule A

Income

DDS Transaction Fees Collected $11,967,275

DDS NSF Penalties Related to DDS Transactions $26,029

DDS Charge Off Recovery $2,599,603

DDS Checks Sold for Collection $11,629

Total Income attributable to DDS $14,604,536

Income from non-DDS Business Conducted at Location and its Branches $1,260,338

Gross Income $15,864,874

Expenses

Expenses:

Bad Debt (Charge off) $4,126,788

—Salary $5,480,432

Collection Expenses (Fees related to collection of checks) $266,728

Other DDS Expenses $5,727,692

Expenses from non-DDS Business $461,652

Total Expenses $16,283,127

Net Income (Gross Income—Total Expenses) ($418,253)

Schedule B

Statement of Assets and Liabilities as of 12/31/2020

Cash on Hand and in Banks—Available for DDS Operation 15,764,875

Current Inventory 394,816

Collection Inventory 493,629

All other Assets 9,166,448

Total Assets $25,819,769

Total Liabilities 1,083,424

Net Worth $24,736,345

Total Liabilities + Net Worth (must equal Total Assets) $25,819,769

Transaction Activities of Licensees and Makers

Total Number of Makers 31,749

Total Number of Transactions 240,101

Average Transaction Size $362.00

Total Transacted Transaction Charger $11,513,744.44

Total Transaction Actual Charges $11,817,845.98

Number of Defaulted Transactions 19,884

Number of Charged-Off Transactions 5,427

Dollar Value of Transactions Charged Off $1,896,213.60

Number of Non-Negotiable Check Fees 2,712

Dollar Value of Non-Negotiable Check Fees $40,680.00

Average Contracted Annual Percentage Rate 414%

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 72



Historical Data — Securities Act Cash Fund Status

Year

Income

Securities Fund

Expense

Funds Used by

Financial Institutions

Division

Transferred

to State of Nebraska

General Fund

Ending Balance

1939 6,193 4,410 12,061

1940 7,145 6,320 12,841

1941 5,046 5,486 12,802

1942 4,141 3,000 13,543

1943 4,961 3,507 14,998

1944 5,632 4,750 15,879

1945 8,928 6,803 18,003

1946 13,845 7,891 23,977

1947 10,812 8,816 25,972

1948 9,462 9,719 25,715

1949 10,578 9,908 26,384

1950 14,349 12,528 28,205

1951 15,970 10,431 33,744

1952 17,961 14,244 37,461

1953 15,796 15,469 37,789

1954 20,094 16,122 41,671

1955 56,121 18,247 79,635

1956 36,925 27,312 89,248

1957 37,458 34,148 92,558

1958 44,217 18,310 118,456

1959 59,160 21,041 87,910 68,674

1960 56,095 32,490 92,279

1961 93,293 26,640 20,177 138,754

1962 84,195 24,665 22,870 175,414

1963 65,892 17,144 36,914 107,503 79,744

1964 73,040 14,720 53,041 85,023

1965 99,917 10,535 46,750 127,655

1966 122,601 27,695 222,561

1967 127,622 30,744 391,439

1968 103,638 38,675 * 384,403

1969 282,826 41,039 626,189

1970 238,716 49,524 576,189 239,193

1971 196,324 57,318 378,198

1972 238,201 54,591 335,820 225,987

1973 303,244 53,510 475,721

1974 222,982 66,216 35,000 597,486

1975 294,904 92,669 799,721

1976 263,400 93,960 650,000 319,160

Appendix F

*Adjusted from a calendar year reporting to a ﬁscal year beginning with the year 1967/1968.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 73



Historical Data — Securities Act Cash Fund Status (continued)

Year

Income

Securities Fund

Expense

Funds Used by

Financial Institutions

Transferred

to State of Nebraska

Ending Balance

1977 348,188 114,168 553,180

1978 388,138 129,703 811,616

1979 644,668 137,669 1,000,000 318,615

1980 1,382,923 217,896 1,000,000 483,642

1981 1,933,972 234,662 1,000,000 1,182,951

1982 2,731,444 241,846 2,500,000 1,172,548

1983 2,724,346 270,889 3,400,000 226,005

1984 2,329,448 346,303 2,000,000 209,151

1985 2,751,985 506,926 2,454,210

1986 4,583,858 393,491 1,000,000 5,644,577

1987 6,398,986 481,880 3,000,000 8,561,683

1988 6,013,741 539,064 6,000,000 8,036,360

1989 5,640,939 550,907 9,800,000 3,326,392

1990 5,589,758 575,244 4,000,000 4,340,908

1991 5,258,270 566,022 4,000,000 5,033,155

1992 5,788,698 759,553 4,000,000 6,062,300

1993 6,530,292 719,772 7,000,000 4,872,820

1994 8,375,968 733,479 6,000,000 6,515,309

1995 9,395,159 787,188 6,000,000 9,123,280

1996 10,090,840 817,799 9,000,000 9,396,321

1997 11,233,134 879,814 11,000,000 8,749,640

1998 12,915,388 861,660 9,000,000 11,803,368

1999 13,909,799 903,478 9,000,000 15,809,689

2000 16,837,246 971,783 15,000,000 16,675,152

2001 17,815,112 1,010,507 17,000,000 16,479,757

2002 16,322,333 973,200 17,500,000 14,328,889

2003 13,910,094 999,418 16,500,000 10,739,564

2004 19,041,410 985,019 15,000,000 13,795,956

2005 15,001,541 1,140,021 19,100,000 8,557,476

2006 15,587,788 1,071,972 16,000,000 7,073,292

2007 18,443,864 1,080,923 16,000,000 8,436,232

2008 23,658,511 1,090,520 11,000,000 20,004,303

2009 24,904,074 1,188,387 19,000,000 24,719,989

2010 24,844,300 1,291,931 24,286,041 23,986,318

2011 24,863,949 1,290,131 37,322,121 10,238,015

2012 23,780,113 1,430,535 19,000,000 13,587,592

2013 23,928,128 1,417,369 19,000,000 17,098,352

2014 26,517,042 1,443,978 23,000,000 19,171,416

2015 26,923,977 1,451,926 23,000,000 21,643,467

2016 28,112,209 1,399,075 30,000,000 18,356,600

2017 26,892,788 1,475,595 30,000,000 13,773,793

2018 27,467,896 1,488,948 30,000,000 9,752,742

2019 27,930,591 1,622,742 32,000,000 4,060,591

2020 26,824,753 1,680,080 27,000,000 2,205,264

2021 34,024,193 1,624,552 25,900,000 8,704,905

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 74



Year

Number of

Registrations

Amount of

Issued

Registrations

in Dollars

Registrations

Denied or

Withdrawn

1939 30 2,362,575 8

1940 41 2,883,400 4

1941 34 1,492,511 2

1942 32 1,260,800 1

1943 36 2,136,200 0

1944 35 2,646,000 0

1945 55 5,492,550 0

1946 80 9,459,847 4

1947 61 6,838,394 0

1948 67 5,485,750 1

1949 74 5,676,700 0

1950 86 8,850,404 0

1951 95 10,781,368 0

1952 102 11,271,391 0

1953 81 9,959,434 0

1954 117 12,688,352 1

1955 155 48,064,847 5

1956 152 26,417,011 9

1957 160 25,725,150 6

1958 168 32,838,450 6

1959 201 41,841,964 19

1960 239 38,676,160 52

1961 340 70,151,950 51

1962 253 60,093,300 8

1963 224 45,746,030 4

1964 270 51,546,333 0

1965 383 77,723,015 1

1966 349 100,690,421 0

1967 459 100,982,178 0

1968 692 192,940,066 1

1969 954 236,369,401 1

1970 722 178,185,790 4

1971 918 162,482,230 2

1972 1,007

256,222,450 28

*1973

1974 634 129,563,116 103

1975 682 170,268,855 31

1976 964 231,153,028 0

1977 734 173,514,576 14

1978 818 234,362,503 28

1979 847 437,864,783 41

1980 1,329 1,053,033,936 25

Year

Number of

Registrations

Amount of

Issued

Registrations

in Dollars

Registrations

Denied or

Withdrawn

1981 1,575 1,536,501,075 67

1982 1,786 2,607,490,277 119

1983 2,299 2,451,475,402 147

1984 2,325 2,011,168,235 192

1985 2,302 2,172,465,659 222

1986 3,086 4,111,096,897 238

1987 3,424 6,100,822,335 294

1988 3,018 4,820,573,174 289

1989 3,010 4,275,274,132 164

1990 2,763 4,120,247,299 195

1991 2,986 4,264,222,845 110

1992 4,113 3,746,672,390 91

1993 4,968 3,433,009,471 102

1994 6,881 3,854,726,154 116

1995 8,021 4,340,862,458 90

1996 8,891 4,366,777,438 90

1997 10,621 4,917,973,597 56

1998 13,349 5,804,370,252 66

1999 14,165 5,799,663,765 81

2000 17,789 7,119,150,972 36

2001 21,232 8,698,411,020 65

2002 20,467 9,725,155,609 46

2003 20,935 9,979,766,330 11

2004 22,697 11,323,207,770 26

2005 22,870 10,641,066,150 31

2006 24,710 11,320,260,650 11

2007 26,266 13,573,121,380 9

2008 29,348 18,371,913,640 5

2009 27,945 18,729,690,650 12

2010 28,523 17,213,135,000 18

2011 23,250 18,545,492,000 5

2012 28,965 17,955,119,000 20

2013 25,179 18,245,373,000 13

2014 27,691 20,654,108,000

2015 32,400 20,852,152,000

2016 33.407 21,648,937,000

2017 35,035 20,680,820,000

2018 34,628 21,077,422,000

2019 34,165 21,375,898,000

2020 33,118 20,403,500,000 10

2021 30,497 27,255,574,000 5

Appendix G

Historical Data — Issuer Applications

*Adjusted from calendar year reporting to ﬁscal year beginning with the year 1973/1974.

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 75



Historical Data—Registration of Broker-Dealers and Agents

Year

Broker-Dealers

Registered

Number

Denied

Cancellations &

Withdrawals

Agents Registered

Agents

Denied

1939 57 6 3 185 10

1940 65 0 1 165 0

1941 64 1 0 147 0

1942 54 0 0 112 0

1943 55 0 0 108 0

1944 59 0 0 104 0

1945 57 0 0 120 0

1946 61 0 0 168 0

1947 64 0 0 186 0

1948 67 0 0 196 0

1949 68 0 0 245 0

1950 75 0 0 262 0

1951 79 0 0 283 0

1952 83 0 0 297 0

1953 82 0 0 306 0

1954 89 0 0 345 0

1955 91 1 0 362 0

1956 94 2 0 427 0

1957 90 1 0 517 0

1958 94 4 2 563 0

1959 93 5 0 681 0

1960 94 2 0 769 0

1961 113 0 0 833 0

1962 120 0 1 720 21

1963 119 0 0 796 1

1964 122 0 0 977 1

1965 124 1 0 1,033 0

1966 138 0 0 1,106 0

1967 147 0 0 1,484 0

1968 177 0 0 1,418 0

1969 210 0 0 2,430 0

1970 237 0 0 1,964 0

1971 246 0 0 2,346 0

1972 264 0 0 2,614 1

*1973

1974 261 0 0 2,468 1

1975 238 0 0 1,661 0

1976 273 0 0 2,526 0

1977 272 0 0 2,534 0

1978 294 0 13 2,424 0

1979 309 0 25 2,801 0

1980 320 0 24 3,276 0

1981 333 0 8 3,685 0

1982 393 0 10 **5,843 0

1983 440 0 20 4,369 3

1984 515 0 33 6,095 1

1985 614 5 28 9,357 37

1986 667 3 49 10,099 20

*Adjusted from calendar year reporting to ﬁscal year beginning with the year 1973/1974.

Appendix H

ndbf.nebraska.gov 2021 Nebraska Department of Banking & Finance 76



Historical Data—Registration of Broker-Dealers and Agents (continued)

Year

Broker-Dealers

Registered

Number Denied

Cancellations &

Withdrawals

Agents

Registered

Agents

Denied

1989 771 0 106 17,455 0

1990 776 0 107 17,672 0

1991 733 0 134 17,383 0

1992 758 0 87 18,866 0

1993 808 0 57 22,293 0

1994 888 0 51 26,574 0

1995 984 0 72 28,532 0

1996 1,078 0 84 32,175 0

1997 1,178 0 92 37,151 0

1998 1,232 0 128 44,134 0

1999 1,311 0 144 50,722 0

2000 1,459 0 86 56,606 0

2001 1,529 0 139 61,783 0

2002 1,520 0 178 57,388 0

2003 1,447 0 181 53,950 0

2004 1,436 3 110 56,214 0

2005 1,431 0 30 5,519 0

2006 1,430 0 131 63,260 0

2007 1,489 0 98 69,242 0

2008 1,470 0 74 70,842 0

2009 1,446 0 155 70,326 0

2010 1,425 0 134 74,970 0

2011 1,416 0 130 84,179 0

2012 1,320 0 199 86,447 0

2013 1,289 0 98 87,600 0

2014 1,360 0 21 93,483 0

2015 1,373 0 66 98,256 0

2016 1,364 0 72 102,745 0

2017 1,358 0 80 103,184 0

2018 1,355 0 3 106,578 0

2019 1,333 0 108 109,865 0

2020

1,317 0 85 112,442 0

1988 753 0 86 16,611 0

1987 701 2 76 14,495 3

2021

1,322 0 66 118,192 0

**A conversion to a new computer in 1982 may have caused an error in reporting the ﬁgure accurately.