First State Bank
Total assets
$199.5M
▲ +7.5% YoY
Deposits
$121.3M
▲ +14.6% YoY
Loans
$96.9M
▼ -0.3% YoY
Offices
5
NEBRASKA BANKSHARES INC
ROA (annualized)
1.63%
peers 1.24%
ROE (annualized)
13.60%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +14.6% | +4.0% | +10.6 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.9 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1904
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- NEBRASKA BANKSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 222 Main St, Farnam, NE, 69029
- County
- Dawson
- Metro area
- Lexington, NE
- Offices
- 5
- FDIC cert #
- 12244
- RSSD ID
- 488756
- 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 | $199.5M | $121.3M | $96.9M | $23.6M | $1.7M | 1.63% | 3.14% | 0.16% |
| Q1 2026 | $201.7M | $125.6M | $96.3M | $23.8M | $791K | 1.55% | 3.10% | 1.09% |
| Q4 2025 | $207.4M | $127.3M | $102.9M | $25.4M | $2.8M | 1.44% | 2.97% | 0.19% |
| Q3 2025 | $193.3M | $109.1M | $102.3M | $24.3M | $1.9M | 1.33% | 2.86% | 0.24% |
| Q2 2025 | $185.5M | $105.9M | $97.3M | $23.0M | $1.3M | 1.34% | 2.84% | 0.34% |
| Q1 2025 | $193.9M | $127.2M | $98.1M | $21.9M | $628K | 1.31% | 2.82% | 0.70% |
| Q4 2024 | $188.4M | $122.2M | $103.5M | $21.8M | $2.5M | 1.40% | 2.82% | 0.58% |
| Q3 2024 | $179.2M | $123.2M | $105.3M | $22.2M | $1.8M | 1.37% | 2.83% | 0.20% |
Loan mix (Q2 2026): real estate $66.1M · commercial $7.6M · consumer $5.5M · securities $60.2M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% | 14th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 62.9% | 31th | |
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 | First State Bank | 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 | First State Bank | 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 | First State Bank | 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 | First State Bank | 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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