Country Club Bank (merged into First National Bank of Omaha)
Country Club Bank reported total assets of $2.2 bn at Q3 2025, its last Call Report before it merged into First National Bank of Omaha. The CET1 capital ratio at Country Club Bank was 13.52%, and the uninsured share of Country Club Bank was 39.59%. Source: FDIC Call Reports.
Key takeaways
- Since , Country Club Bank has taken over 2 institutions; the latest was Country Club Trust Company, National Association on (FDIC Call Reports).
What sets Country Club Bank apart
How large is Country Club Bank?
The balance sheet of Country Club Bank at : assets $2.2 bn, deposits $2.0 bn, net loans $1.5 bn (loans equal to 76.23% of deposits). Securities make up 22.0% of total assets at Country Club Bank. Since , when Country Club Bank held $1.4 bn, its assets grew 62.9%. In the year to , deposits at Country Club Bank rose 7.4% while its total assets fell 2.1%. At , Country Club Bank employed 388 full-time equivalent staff across 22 offices, about $5.8 mn of assets per employee and $88.9 mn of deposits per office.
How much funding at Country Club Bank is uninsured?
At Country Club Bank, uninsured deposits (above the FDIC limit) made up 39.59% of domestic deposits at (+1.04 pp on a year earlier). In dollars, Country Club Bank estimated $774.2 mn of uninsured deposits.
Key facts, Q3 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.0 bn | $1.8 bn (Q3 2024) | |
| Net loans and leases | $1.5 bn | $1.4 bn (Q3 2024) | |
| Loan-to-deposit ratio | 76.23% | 76.34% (Q3 2024) | |
| Tier 1 leverage ratio | 10.55% | 10.18% (Q3 2024) | |
| Total risk-based capital ratio | 14.68% | not available | |
| Net interest margin | 4.02% | 3.55% (Q3 2024) | |
| Return on assets (ROA) | 1.56% | 1.40% (Q3 2024) | |
| Efficiency ratio | 74.36% | 72.38% (Q3 2024) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $13.2 mn | Widened by $765,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $42,000 | Narrowed by $7,000 | |
| Noncurrent loans to total loans | 0.47% | 0.92% (Q3 2024) | |
| Net charge-offs to average loans | -0.08% | -0.08% (Q3 2024) |
US rank of Country Club Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Country Club Bank: assets, deposits and loans
- Total assets $2.2bn
- Deposits $2.0bn
- Net loans $1.5bn
Capital and securities
The CET1 ratio of Country Club Bank stood at 13.52% in . Low and high at Country Club Bank since : 11.38% () to 14.02% (). Equity capital of Country Club Bank at : $224.6 mn, or 10.1% of total assets. Country Club Bank also reported a total capital ratio of 14.68% for , and a tier 1 leverage ratio of 10.55%.
On held-to-maturity securities, Country Club Bank carried an unrealized loss of $13.2 mn at , equal to 5.9% of equity capital. The loss widened by $765,000 over the year. Its deepest point: $37.1 mn in . The available-for-sale portfolio of Country Club Bank showed an unrealized loss of $42,000 at ; the loss narrowed by $7,000 over the year.
Country Club Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
Country Club Bank: unrealized securities gains and losses
- Available for sale -$42,000
- Held to maturity -$13mn
Profitability and loan quality
For the year to , Country Club Bank earned a return on equity of 15.67%; return on assets: 1.56%. Net interest margin at Country Club Bank: 4.02%, +0.46 pp in a year. Country Club Bank net income: $25.8 mn, up 12.6% year on year. The efficiency ratio of Country Club Bank was 74.36%: about 74 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.47% of total loans at Country Club Bank; net charge-offs: -0.08% of average loans. Gross loans and leases at Country Club Bank: $1.5 bn at , against $1.4 bn at .
Country Club Bank: profitability
- Return on equity 16%
- Net interest margin 4.0%
- Return on assets 1.6%
Peer group of Country Club Bank
The peer group of Country Club Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Country Club Bank (state member bank) and 0 have head offices in Missouri. Against them, Country Club Bank shows CET1 ratio 13.52% against a peer median of 14.86%, return on equity 15.67% against a peer median of 11.24% and uninsured deposit share 39.59% against a peer median of 33.82%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| American National Bank & Trust | National bank | TX | $2.3 bn | 12.66% | 8.95% | 40.14% | |
| Community National Bank | National bank | TX | $2.3 bn | 14.83% | 19.55% | 50.37% | |
| Cornerstone Capital Bank, SSB | State-chartered stock savings bank | TX | $2.3 bn | 22.40% | 5.85% | 18.99% | |
| Country Club Bank | State member bank | MO | $2.2 bn | 13.52% | 15.67% | 39.59% | |
| Vallant Bank | State nonmember bank | GA | $2.2 bn | 11.59% | 13.53% | 32.87% | |
| Esquire Bank | National bank | NY | $2.2 bn | 15.27% | 24.04% | 33.07% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.1 bn | 14.88% | 8.52% | 34.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at Country Club Bank, to : assets $2.2 bn to $2.2 bn, deposits $1.7 bn to $2.0 bn, equity $181.0 mn to $224.6 mn. Staff 422 to 388; offices 25 to 22.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.1 bn | $2.2 bn | $2.3 bn | $2.2 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Total deposits | $1.7 bn | $1.7 bn | $1.7 bn | $1.8 bn | $1.9 bn | $1.9 bn | $1.9 bn | $2.0 bn |
| Bank equity capital | $181.0 mn | $187.8 mn | $196.4 mn | $207.7 mn | $210.5 mn | $216.3 mn | $228.2 mn | $224.6 mn |
| CET1 ratio | 13.29% | 13.57% | not reported | not reported | 13.10% | 13.50% | 13.56% | 13.52% |
| Return on equity (ROE) | 15.25% | 15.02% | 14.65% | 15.84% | 15.48% | 16.48% | 18.46% | 15.67% |
| Uninsured share of domestic deposits | 40.75% | 41.41% | 37.55% | 38.56% | 39.84% | 39.45% | 38.54% | 39.59% |
| Full-time equivalent employees | 422 | 413 | 426 | 432 | 421 | 405 | 406 | 388 |
| Number of offices | 25 | 24 | 24 | 23 | 23 | 23 | 23 | 22 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Country Club Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of the Prairie (FDIC certificate 4626).
- . Absorbed Country Club Trust Company, National Association (FDIC certificate 57402).
- . Merged into First National Bank of Omaha (FDIC certificate 5452).
Questions and identifiers
What were the total assets of Country Club Bank?
Country Club Bank reported $2.2 bn at in its Call Report.
Is Country Club Bank the same as its holding company?
No. This page covers Country Club Bank, FDIC certificate 8888; CCB FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Country Club Bank profitable?
Country Club Bank reported net income of $25.8 mn for the year to ; annualized return on equity: 15.67%. So yes: Country Club Bank made a profit over these months.
When is data for Country Club Bank next updated?
Country Club Bank no longer files Call Reports; its data ends at .
Where can I check the figures for Country Club Bank?
In the FDIC BankFind Suite record for certificate 8888, and in the Call Reports of Country Club Bank (RSSD ID 625654) at the FFIEC Central Data Repository.