First National Bank in Ord
Total assets
$165.6M
▲ +5.5% YoY
Deposits
$146.1M
▲ +5.0% YoY
Loans
$85.8M
▲ +7.2% YoY
Offices
3
BBJ INC
ROA (annualized)
1.93%
peers 1.24%
ROE (annualized)
17.03%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.7 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 17.0% | 11.9% | +5.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BBJ INC
- Specialization
- Agricultural Specialization
- Address
- 1411 M St, Ord, NE, 68862
- County
- Valley
- Offices
- 3
- FDIC cert #
- 5460
- RSSD ID
- 850054
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.6M | $146.1M | $85.8M | $19.1M | $1.6M | 1.93% | 3.96% | 0.00% |
| Q1 2026 | $165.4M | $146.5M | $82.1M | $18.6M | $884K | 2.17% | 3.90% | 0.16% |
| Q4 2025 | $159.8M | $141.6M | $80.7M | $18.0M | $2.6M | 1.66% | 4.06% | 0.04% |
| Q3 2025 | $156.7M | $138.3M | $82.0M | $17.9M | $2.3M | 1.94% | 4.10% | 0.00% |
| Q2 2025 | $156.9M | $139.1M | $80.0M | $17.5M | $1.6M | 2.08% | 4.09% | 0.00% |
| Q1 2025 | $159.5M | $142.3M | $78.8M | $17.0M | $939K | 2.39% | 4.05% | 0.00% |
| Q4 2024 | $154.9M | $138.5M | $86.2M | $16.3M | $3.2M | 2.10% | 4.49% | 0.01% |
| Q3 2024 | $148.2M | $129.1M | $75.9M | $16.8M | $2.9M | 2.52% | 4.61% | 0.00% |
Loan mix (Q2 2026): real estate $50.5M · commercial $9.6M · consumer $2.8M · securities $46.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 62.9% | 20th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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