First State Bank Nebraska
Lincoln, NE · Cert 13868 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First State Holding Co.
State charter, Fed member · FED · 18 branches
Q2 2026
$1.1BAssets
$907.9MLoans
$990.0MDeposits
$115.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of banks $1B-$10B in assets operating in a single state (rank 78 of 258).
- Widest gap: tier 1 capital ratio trails 72% of banks $1B-$10B in assets operating in a single state (rank 187 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.19%
Rank 138 of 258
Net Interest Margin
3.27%
Rank 174 of 258
Efficiency Ratio
54.79%
Rank 87 of 257
Equity / Assets
10.15%
Rank 135 of 258
Non-interest income vs. expense
Unfavorable gap of $19.0M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.93% | 1.23% | 1.54% | Beats 47% | 138 / 258 | | |
| Return on Equity | 11.73% | 9.26% | 11.84% | 14.74% | Beats 49% | 132 / 258 | | |
| Net Interest Margin | 3.27% | 3.16% | 3.49% | 3.88% | Beats 33% | 174 / 258 | | |
| Efficiency Ratio | 54.79% | 51.71% | 60.30% | 69.65% | Beats 67% | 87 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.19% | 0.46% | 0.90% | Beats 70% | 78 / 258 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 47% | 138 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 11.41% | 12.98% | 15.12% | Beats 28% | 187 / 258 | | |
| Total Risk-Based Capital Ratio | 12.55% | 12.10% | 13.91% | 16.08% | Beats 32% | 176 / 258 | | |
| Equity / Assets | 10.15% | 9.09% | 10.24% | 11.72% | Beats 48% | 135 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.71% | 73.24% | 86.34% | 95.95% | 66th pctl | 89 / 258 | | |
| Loans / Assets | 79.99% | 63.01% | 72.27% | 78.40% | 80th pctl | 52 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |