First Bank and Trust of Fullerton
Fullerton, NE · Cert 5405 · Peer group: banks under $1B in assets in NE (n=83) · First National Holding Co. Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
$108.3MAssets
$69.5MLoans
$83.9MDeposits
$14.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
- Widest gap: net interest margin trails 84% of banks under $1B in assets in NE (rank 70 of 83).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.07%
Rank 55 of 83
Net Interest Margin
3.02%
Rank 70 of 83
Efficiency Ratio
64.22%
Rank 52 of 83
Equity / Assets
13.45%
Rank 24 of 83
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 39% 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 | 1.07% | 0.93% | 1.20% | 1.51% | Beats 34% | 55 / 83 | | |
| Return on Equity | 7.92% | 8.04% | 10.34% | 13.11% | Beats 19% | 67 / 83 | | |
| Net Interest Margin | 3.02% | 3.25% | 3.62% | 4.02% | Beats 16% | 70 / 83 | | |
| Efficiency Ratio | 64.22% | 51.13% | 59.95% | 67.19% | Beats 39% | 52 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 75% | 22 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 14.20% | 10.94% | 13.24% | 16.62% | Beats 59% | 34 / 83 | | |
| Total Risk-Based Capital Ratio | 14.20% | 11.04% | 13.54% | 17.63% | Beats 55% | 37 / 83 | | |
| Equity / Assets | 13.45% | 9.90% | 11.31% | 13.84% | Beats 71% | 24 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.81% | 71.97% | 83.15% | 92.22% | 48th pctl | 43 / 83 | | |
| Loans / Assets | 64.15% | 57.96% | 69.15% | 77.64% | 33rd pctl | 56 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |