First Bank and Trust Company
Minden, NE · Cert 5438 · Peer group: banks under $1B in assets in NE (n=83) · First of Minden Financial Corp.
State charter, Fed member · FED · 1 branch
Q2 2026
$91.2MAssets
$44.1MLoans
$66.3MDeposits
$9.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: return on assets trails 86% of banks under $1B in assets in NE (rank 71 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.82%
Rank 71 of 83
Net Interest Margin
3.25%
Rank 63 of 83
Efficiency Ratio
69.89%
Rank 67 of 83
Equity / Assets
10.17%
Rank 58 of 83
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 20% 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 | 0.82% | 0.93% | 1.20% | 1.51% | Beats 14% | 71 / 83 | | |
| Return on Equity | 8.04% | 8.04% | 10.34% | 13.11% | Beats 24% | 63 / 83 | | |
| Net Interest Margin | 3.25% | 3.25% | 3.62% | 4.02% | Beats 24% | 63 / 83 | | |
| Efficiency Ratio | 69.89% | 51.13% | 59.95% | 67.19% | Beats 20% | 67 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 28% | 61 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 20.55% | 10.94% | 13.24% | 16.62% | Beats 88% | 10 / 83 | | |
| Total Risk-Based Capital Ratio | 21.80% | 11.04% | 13.54% | 17.63% | Beats 89% | 9 / 83 | | |
| Equity / Assets | 10.17% | 9.90% | 11.31% | 13.84% | Beats 30% | 58 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.47% | 71.97% | 83.15% | 92.22% | 20th pctl | 66 / 83 | | |
| Loans / Assets | 48.34% | 57.96% | 69.15% | 77.64% | 11th pctl | 74 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |