FDIC Cert #5438 · Minden, Nebraska · Est. 1883

First Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at First Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$94M
Total assets
B
Health grade · Good
0.91%
Return on assets
18.4%
Tier 1 capital

Data updated July 2026

The verdict

First Bank and Trust Company earns a PlainBankData health grade of B (74/100), with well-capitalized at 18.44% Tier 1, 0.91% ROA, 76% efficiency ratio.

#3,792
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
18.44%
Tier 1 ratio - above the 10% well-capitalized line
36th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 5438 · NE B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2665/4307
  • PHOTO-FINISH WOODTRUST BANK · WI
  • TIER1-WELL 18.4% Tier 1
  • TEXAS-CLEAN 13.0% Texas
  • ROA-PAR 0.91% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: WOODTRUST BANK, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank and Trust… · NE ·…74/100Herring Bank · TX · near74/100Kalamazoo County Sta… · MI ·…74/100The First National B… · MI ·…74/100WOODTRUST BANK · WI · near74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank and Trust Company · July 2026

What First Bank and Trust Company's Call Report plate shows

First Bank and Trust Company (FDIC Cert #5438) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,665 of 4,307. Tier 1 capital prints at 18.44%, clearing the 10% well-capitalized line. The Texas Ratio is 13.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.91%. Balance-sheet scale is $94M, 3,792nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is WOODTRUST BANK (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank and Trust Company

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

First Bank and Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Bank and Trust Company remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How First Bank and Trust Company's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
First Bank and Trust Company's composite health score
Tier 1 Capital Ratio (18.44%) 40/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (13.00%) 16/20
Efficiency Ratio (76.27%) 4/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$94M

Total balance-sheet footings

Total Deposits

$69M

Customer-funded liabilities

Net Loans

$48M

Outstanding loan book

Net Income

$864K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.04% 18.44% 19.84%
Basel III capital ratios - First Bank and Trust Company

Where First Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank and Trust Company's score of 74/100 falls in the highlighted band.

First Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank and Trust Company's $94M falls in the highlighted band.

Safety ratios for First Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

18.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.44%
Texas Ratio
13.00%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: First Bank and Trust Company

Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
9.93%
Efficiency Ratio
76.27%

What these mean →

Income & expense at First Bank and Trust Company

$5M
Interest Income
$380K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank and Trust Company reports a Texas Ratio of 13.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Bank and Trust Company on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($94M here), outside Nebraska so the neighborhood is not state containment.

First Farmers & Merchants State Bank $94M · MN The First National Bank of Germantown $94M · OH First Security Bank of Roundup $93M · MT Superior Savings Bank $94M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank and Trust Company (FDIC Cert #5438) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Bank and Trust Company Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%