First State Bank
Hordville, NE · Cert 8604 · Peer group: banks under $1B in assets in NE (n=83) · Firstand Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
$46.8MAssets
$30.3MLoans
$39.8MDeposits
$5.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: efficiency ratio trails 96% of banks under $1B in assets in NE (rank 81 of 83).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.40%
Rank 79 of 83
Net Interest Margin
3.18%
Rank 68 of 83
Efficiency Ratio
83.62%
Rank 81 of 83
Equity / Assets
11.92%
Rank 34 of 83
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 4% 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 | 0.40% | 0.93% | 1.20% | 1.51% | Beats 5% | 79 / 83 | | |
| Return on Equity | 3.37% | 8.04% | 10.34% | 13.11% | Beats 5% | 79 / 83 | | |
| Net Interest Margin | 3.18% | 3.25% | 3.62% | 4.02% | Beats 18% | 68 / 83 | | |
| Efficiency Ratio | 83.62% | 51.13% | 59.95% | 67.19% | Beats 4% | 81 / 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 | 12.20% | 10.94% | 13.24% | 16.62% | Beats 42% | 48 / 83 | | |
| Total Risk-Based Capital Ratio | 12.20% | 11.04% | 13.54% | 17.63% | Beats 37% | 52 / 83 | | |
| Equity / Assets | 11.92% | 9.90% | 11.31% | 13.84% | Beats 59% | 34 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.06% | 71.97% | 83.15% | 92.22% | 28th pctl | 60 / 83 | | |
| Loans / Assets | 64.70% | 57.96% | 69.15% | 77.64% | 36th pctl | 53 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |