First State Bank
Farnam, NE · Cert 12244 · Peer group: banks under $1B in assets in NE (n=83) · Nebraska Bankshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 5 branches (13 in holding)
Q2 2026
$199.5MAssets
$98.5MLoans
$121.3MDeposits
$23.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 63% of banks under $1B in assets in NE (rank 32 of 83).
- Widest gap: net interest margin trails 86% of banks under $1B in assets in NE (rank 71 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.30%
Rank 33 of 83
Net Interest Margin
2.99%
Rank 71 of 83
Efficiency Ratio
56.65%
Rank 32 of 83
Equity / Assets
11.84%
Rank 35 of 83
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 63% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.93% | 1.20% | 1.51% | Beats 60% | 33 / 83 | | |
| Return on Equity | 10.99% | 8.04% | 10.34% | 13.11% | Beats 57% | 36 / 83 | | |
| Net Interest Margin | 2.99% | 3.25% | 3.62% | 4.02% | Beats 14% | 71 / 83 | | |
| Efficiency Ratio | 56.65% | 51.13% | 59.95% | 67.19% | Beats 63% | 32 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.00% | 0.19% | 0.96% | Beats 39% | 52 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 41% | 50 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 10.94% | 13.24% | 16.62% | Beats 39% | 51 / 83 | | |
| Total Risk-Based Capital Ratio | 11.94% | 11.04% | 13.54% | 17.63% | Beats 35% | 54 / 83 | | |
| Equity / Assets | 11.84% | 9.90% | 11.31% | 13.84% | Beats 58% | 35 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.19% | 71.97% | 83.15% | 92.22% | 45th pctl | 46 / 83 | | |
| Loans / Assets | 49.37% | 57.96% | 69.15% | 77.64% | 16th pctl | 70 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |