Nebraska State Bank and Trust Company
Total assets
$285.8M
▲ +3.8% YoY
Deposits
$233.7M
▲ +3.2% YoY
Loans
$219.9M
▲ +0.2% YoY
Offices
4
FIRST CENTRAL NEBRASKA CO
ROA (annualized)
1.92%
peers 1.24%
ROE (annualized)
15.98%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +0.3% | +5.6% | -5.3 pts |
| ROA | 1.92% | 1.24% | +0.7 pts |
| ROE | 16.0% | 11.9% | +4.1 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST CENTRAL NEBRASKA CO
- Specialization
- Agricultural Specialization
- Address
- 945 S D St, Broken Bow, NE, 68822
- County
- Custer
- Offices
- 4
- FDIC cert #
- 8322
- RSSD ID
- 412153
- 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 | $285.8M | $233.7M | $219.9M | $34.9M | $2.7M | 1.92% | 4.40% | 0.00% |
| Q1 2026 | $280.6M | $231.8M | $217.1M | $33.7M | $1.2M | 1.71% | 4.34% | 0.00% |
| Q4 2025 | $285.5M | $236.0M | $219.1M | $33.5M | $5.0M | 1.75% | 4.22% | 0.00% |
| Q3 2025 | $281.2M | $230.3M | $223.3M | $32.3M | $3.5M | 1.65% | 4.18% | 0.00% |
| Q2 2025 | $275.3M | $226.4M | $219.4M | $31.3M | $2.6M | 1.81% | 4.14% | 0.10% |
| Q1 2025 | $279.5M | $217.5M | $222.5M | $30.2M | $1.2M | 1.70% | 4.04% | 0.01% |
| Q4 2024 | $297.5M | $227.7M | $233.0M | $29.2M | $4.8M | 1.70% | 4.00% | 0.01% |
| Q3 2024 | $279.8M | $226.9M | $221.1M | $29.8M | $3.6M | 1.70% | 4.06% | 0.09% |
Loan mix (Q2 2026): real estate $132.2M · commercial $30.7M · consumer $7.3M · securities $44.8M
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 | 1.92% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% | 73th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 62.9% | 26th | |
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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