Banner County, Nebraska

County Distress Index: Healthy · 29.4 | 674 people · 52nd most distressed in Nebraska
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Banner County, NE ranks among the least distressed counties in the country at 29.4 — 2788th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Nebraska, it ranks 52nd of 93 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Banner County's primary driver is Legal Distress at 90.7 — worse than roughly 91% of U.S. counties.

Legal Distress Primary driver 90.7
Bankruptcy Filing Rate 91
Economic Vitality 52.6
Wage-to-Rent Ratio 62
Rent-to-Income Ratio 13
Business Formation Rate 95
House Price Change (YoY) 44
Structural Poverty 37.0
Unemployment Rate 41
Poverty Rate 34
Income vs. State Median 42
Child Poverty Rate 49
Disability Rate 51
Transfer Income Dependency 14
Consumer Credit Distress 20.3
Debt in Collections 17
Medical Debt 29
Auto Loan Delinquency 22
Credit Card Delinquency 29
Uninsured Rate 34
Subprime Credit Population 5
Housing Cost Burden 14.3
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 35
Homeownership Rate 44

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Banner County
Banner County, NE 29.4 Healthy —
Scotts Bluff County, NE 57.6 Elevated +28.2
Laramie County, WY 49.0 Normal +19.5
Kimball County, NE 47.2 Normal +17.7
Cheyenne County, NE 41.2 Normal +11.8
Goshen County, WY 41.1 Normal +11.7
Morrill County, NE 33.8 Healthy +4.4

Population Peers

CountyScoreZonevs. Banner County
Charles Mix County, SD 29.4 Healthy +0.0
Scott County, KS 29.5 Healthy +0.1
Taylor County, IA 29.6 Healthy +0.1
Garden County, NE 29.6 Healthy +0.1
San Miguel County, CO 29.6 Healthy +0.2

Download Data

Export all distress indicators for Banner County as a CSV file.

Find Help in Banner County

Find an Attorney

Nebraska State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Nebraska State Bar Association Lawyer Referral Service 402-475-7091

Free Legal Aid

Legal aid organizations serving Banner County residents at no cost.

Legal Aid of Nebraska 1-877-250-2016

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Frequently Asked Questions

  • What is the distress score for Banner County, Nebraska?

    Banner County has a County Distress Index score of 29.4 out of 100, placing it in the Healthy zone. It ranks 2,788th nationally out of 3,144 counties and 52nd in Nebraska out of 93 counties.

  • What drives financial distress in Banner County?

    The primary driver of distress in Banner County is Legal Distress, where the county scores 90.7 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Banner County compare to neighboring counties?

    Banner County (29.4) can be compared to its 6 neighboring counties: Scotts Bluff County, NE (57.6); Laramie County, WY (49.0); Kimball County, NE (47.2).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Healthy zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Banner County's score of 29.4 sits in the Healthy zone (below 46).

  • What data sources power Banner County's CDI score?

    Banner County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Banner County?

    Banner County, Nebraska has a population of approximately 674 (2023 Census estimate), classified as a tiny county.