Banner County, NE
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 41.54, -103.73.
Assembled 2026-10-07. Read the brief.
- 84th pct · 484th of 3,063 US counties · median $234,566
- 98th pct · 2nd of 89 Nebraska counties · median $218,486
- 72nd pct · 857th of 3,063 US counties · median +2.9%
- 61st pct · 35th of 89 Nebraska counties · median +4.0%
- US counties: not published this period
- Nebraska counties: not published this period
- 0th pct · 3,214th of 3,221 US counties · median 8,232
- 5th pct · 88th of 93 Nebraska counties · median 2,151
- 15th pct · 2,717th of 3,221 US counties · median $1,039
- 27th pct · 68th of 93 Nebraska counties · median $970
- 94th pct · 180th of 3,063 US counties · median 4.3
- 98th pct · 2nd of 89 Nebraska counties · median 4.1
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $386,548 (Aug 2026), +5.0% over one year, +36.2% over five
- 84th pct · 484th of 3,063 US counties · median $234,566
- 98th pct · 2nd of 89 Nebraska counties · median $218,486
| Item | Value | Distance |
|---|---|---|
| Banner County, NE | $386,548 · +5.0% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Nebraska counties: not published this period
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $2,116 a month on $386,548 at 7.28%, against an average weekly wage worth $3,809 a month: 55.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $386,548 × 80% = $309,238, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $2,116/mo principal and interest
- wage share = payment / (avg weekly wage $879 × 52 / 12 = $3,809) = 56% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $386,548 / ($879 × 52) = 8.5
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
142 jobs at 14 employers (2026 Q1); +12.7% jobs and -1.2% average weekly wage over the year
- 0th pct · 3,214th of 3,221 US counties · median 8,232
- 5th pct · 88th of 93 Nebraska counties · median 2,151
| Item | Value | Distance |
|---|---|---|
| Banner County, NE | 142 jobs · $879/wk · +12.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Agriculture, forestry, fishing | withheld | |||
| Construction | withheld | |||
| Finance and insurance | withheld | |||
| Management of companies | withheld | |||
| Accommodation and food services | withheld |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D3 extreme drought
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
9 gauges · 0 flooding · 1 with quality panels averaging 100 % · 7 stale
Sites found: 9, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| North Platte River at Scottsbluff, Nebr. | flow 177.0 ft³/s · quality 100 % (2) | 35 km |
| Lodgepole Creek at Bushnell, Nebr. | flow 0.69 ft³/s | 37 km |
| USGS-415626103434001 | flow 633.0 ft³/s · STALE | 45 km |
| USGS-415812103493701 | flow 623.0 ft³/s · STALE | 49 km |
| USGS-415922103404801 | flow 442.0 ft³/s · STALE | 50 km |
| KATZER DRAIN NEAR HENRY, NE | flow 7.70 ft³/s · STALE | 57 km |
| NORTH PLATTE RIVER AT WYOMING-NEBRASKA STATE LINE | flow 203.0 ft³/s · STALE | 57 km |
| USGS-420327103464301 | flow 400.0 ft³/s · STALE | 58 km |
| CHERRY CREEK DRAIN NEAR TORRINGTON, WY | flow 24.0 ft³/s · STALE | 67 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
36 wells in 0 named aquifers:
Sites found: 36, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-412944103452701 | depth 170.2 ft · 2016-10-02 | 6 km |
| USGS-413813103334501 | depth 18.8 ft · 2016-10-03 | 17 km |
| USGS-413853103532102 | depth 24.9 ft · 2016-10-02 | 18 km |
| USGS-413853103532101 | depth 40.7 ft · 2012-07-25 | 18 km |
| USGS-414153103561402 | depth 39.3 ft · 2016-10-02 | 25 km |
| USGS-412336104022801 | depth 279.3 ft · 2016-10-03 | 31 km |
| USGS-414107102233801 | depth 189.9 ft · 2016-10-03 | 32 km |
| USGS-412343104053101 | depth 219.0 ft · 2010-09-29 | 34 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
moderate (0.48)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.00 / 0.55
Banks & federal dollars #
$36.8 m in deposits at 1 offices of 1 banks (SOD June 2026); HHI 10,000, highly concentrated. $25.8 m federal obligations in FY2026 (direct payments $15.6 m, grants $10.3 m), $181,719 per covered job
| Item | Value | Distance |
|---|---|---|
| Banner Capital Bank | $36.8 m · 100.0% share · 1 office | |
| Banner, NE | $25.8 m FY2026 · $181,719/job | |
| REDACTED DUE TO PII | $10.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Banner Capital Bank | $36,848,000 | 100.0% | 1 |
Deposit concentration is 10,000 across 1 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 1 banks with deposits in the county = 100.0² = 10,000
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Department of Transportation | $10,212,961 |
| Department of Agriculture | $10,011,131 |
| Social Security Administration | $5,168,389 |
| Department of Veterans Affairs | $164,982 |
| Railroad Retirement Board | $108,319 |
| Federal Communications Commission | $100,933 |
| Department of Education | $37,406 |
| Department of Defense | $0 |
That is $181,719 per covered job, against 142 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $25.8 m / 142 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $181,719
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 11.67 | 2026-10-06 | -8.0% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-07 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Banner County, NE: 12 findings, 2 at a watch level and 10 noted
watchBanner County, NE's years of wages of 8.5 ranks 180th of 3,063 US counties, a watch level here: years of wages in the top tenth of US counties (position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: yearsOfWages percentile = 94.1541476159373 >= 90
- typical home value / (average weekly wage × 52); one average covered job, not a household
position among the counties that published both a ZHVI value and a QCEW average weekly wage; not an official level
watchBanner County, NE's average weekly wage is -1.2% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -1.2 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
noteBanner County, NE's covered employment was 12.7% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +12.7 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteBanner County, NE's average weekly wage was 1.2% lower than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- -1.2 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteBanner County, NE's typical home value rose 0.9% from $383,117 in July 2026 to $386,548 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.9% = (386547.9226028324 - 383116.99091234506) / 383116.99091234506 × 100
- 386547.9226028324 = Zillow ZHVI, 2026-08
- 383116.99091234506 = Zillow ZHVI, 2026-07
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.