Vitals
  • Total Assets
    169.3M 5.6 %
  • Total Deposits
    142.5M 4.6 %
  • Total Net Loans
    130.0M 9.2 %
  • Net Income
    2.2M 8.5 %
  • Book Value
    21.4M 2.2 %
  • Book Value x2
    42.9M 2.2 %
  • Book Value x3
    64.3M 2.2 %
ROAA

1.797

ROAE

14.085

Efficiency Ratio

43.24

Net Interest Margin

3.379

Balance Sheet Highlights
Financial Highlights Pender State Bank All Insured Commercial Banks in Nebraska
Balance Sheet $(000)
Total Assets 169,326 149,245
Total Net Loans 129,985 100,587
Total Deposits 142,477 120,827
Total Equity 21,441 16,405
Profitability
Net Income 2,240 1,288
Return on Average Assets 1.797 1.09
Return on Average Equity 14.085 9.872
Net Interest Margin 3.379 3.687
Efficiency Ratio 43.24 62.905
Noninterest Income/Revenue 2.255 12.612
Balance Sheet Ratios
Loan-to-Deposit 91.232 83.001
Securities/Assets .112 .182
Total Equity/Total Assets .127 .11
Tangible Equity/Tangible Assets .09 .106
Capital Adequacy
Tier 1 Common Capital 14,898 15,611
Tier 1 Capital 14,898 15,629
Tier 2 Capital 1,284 1,239
Total Capital 16,182 16,887
Total Risk Weighted Assets 148,097 117,658
Leverage Ratio 9.14 10.827
Common Equity Tier 1 Capital Ratio 10.06 14.4
Tier 1 Capital Ratio 10.06 14.41
Total Capital Ratio 10.93 15.456

Timeline for Pender State Bank

Frontier Bank

Pender State Bank was acquired by Frontier Bank 8 years

View Profile Oct 03 2015

Frontier Holdings, Llc

Frontier Holdings, Llc became a new parent organization for Pender State Bank.

View Profile Mar 01 2007

First Heartland Bancorp

First Heartland Bancorp became a new parent organization for Pender State Bank.

View Profile Jun 14 1991

Pender State Corporation

Pender State Corporation became a new parent organization for Pender State Bank.

View Profile Dec 31 1979

Pender State Bank

Pender State Bank was established 136 years ago and is currently headquartered in Pender, NE.

Jan 01 1888
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Frontier Bank Buyer 739,572 Pooling of Interests Discontinued 10/3/2015
Relationships Role Relationship Start Relationship End
Frontier Holdings, Llc Parent 12/31/2007 10/2/2015
Frontier Holdings, Llc Parent 10/1/2007 12/30/2007
Frontier Holdings, Llc Parent 3/1/2007 9/30/2007
First Heartland Bancorp Parent 9/30/1996 11/9/2003
First Heartland Bancorp Parent 6/14/1991 9/29/1996
Pender State Corporation Parent 12/31/1980 6/13/1991
Pender State Corporation Parent 12/31/1979 12/30/1980
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