First Central Bank McCook
McCook, NE · Cert 34995 · Peer group: banks under $1B in assets in NE (n=83) · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
$122.8MAssets
$100.8MLoans
$105.8MDeposits
$13.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 66% of banks under $1B in assets in NE (rank 28 of 83).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in NE (rank 82 of 83).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.67%
Rank 74 of 83
Net Interest Margin
3.85%
Rank 28 of 83
Efficiency Ratio
77.00%
Rank 74 of 83
Equity / Assets
11.28%
Rank 44 of 83
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 12% 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 | 0.67% | 0.93% | 1.20% | 1.51% | Beats 11% | 74 / 83 | |
| Return on Equity | 5.92% | 8.04% | 10.34% | 13.11% | Beats 12% | 73 / 83 | |
| Net Interest Margin | 3.85% | 3.25% | 3.62% | 4.02% | Beats 66% | 28 / 83 | |
| Efficiency Ratio | 77.00% | 51.13% | 59.95% | 67.19% | Beats 12% | 74 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.80% | 0.00% | 0.19% | 0.96% | Beats 2% | 82 / 83 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.02% | Beats 23% | 65 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 13.11% | 10.94% | 13.24% | 16.62% | Beats 48% | 43 / 83 | |
| Total Risk-Based Capital Ratio | 14.37% | 11.04% | 13.54% | 17.63% | Beats 57% | 36 / 83 | |
| Equity / Assets | 11.28% | 9.90% | 11.31% | 13.84% | Beats 47% | 44 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 95.30% | 71.97% | 83.15% | 92.22% | 84th pctl | 13 / 83 | |
| Loans / Assets | 82.11% | 57.96% | 69.15% | 77.64% | 88th pctl | 10 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |