First State Bank
Randolph, NE · Cert 15364 · Peer group: banks under $1B in assets in NE (n=83) · First State Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$86.3MAssets
$60.0MLoans
$54.2MDeposits
$8.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: net interest margin trails 89% of banks under $1B in assets in NE (rank 74 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.95%
Rank 62 of 83
Net Interest Margin
2.82%
Rank 74 of 83
Efficiency Ratio
63.15%
Rank 50 of 83
Equity / Assets
10.35%
Rank 56 of 83
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 41% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.93% | 1.20% | 1.51% | Beats 25% | 62 / 83 | |
| Return on Equity | 9.14% | 8.04% | 10.34% | 13.11% | Beats 34% | 55 / 83 | |
| Net Interest Margin | 2.82% | 3.25% | 3.62% | 4.02% | Beats 11% | 74 / 83 | |
| Efficiency Ratio | 63.15% | 51.13% | 59.95% | 67.19% | Beats 41% | 50 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 10.53% | 10.94% | 13.24% | 16.62% | Beats 19% | 67 / 83 | |
| Total Risk-Based Capital Ratio | 10.53% | 11.04% | 13.54% | 17.63% | Beats 19% | 67 / 83 | |
| Equity / Assets | 10.35% | 9.90% | 11.31% | 13.84% | Beats 33% | 56 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 110.56% | 71.97% | 83.15% | 92.22% | 95th pctl | 4 / 83 | |
| Loans / Assets | 69.46% | 57.96% | 69.15% | 77.64% | 52nd pctl | 40 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |