Total Assets
$127M
Total balance-sheet footings
FDIC Cert #34995 · Mccook, Nebraska · Est. 1999
First Central Bank McCook - FDIC Bank Health Profile
A community-scale look at First Central Bank McCook's own numbers, pulled straight from its quarterly FDIC Call Report.
- $127M
- Total assets
- C
- Health grade · Fair
- 0.56%
- Return on assets
- 13.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Central Bank McCook earns a PlainBankData health grade of C (61/100), with well-capitalized at 13.69% Tier 1, 0.56% ROA, 69% efficiency ratio.
- #3,533
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 13.69%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Central Bank McCook's 61/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Central Bank McCook's composite health score
Tier 1 Capital Ratio (13.69%) 35/40
Return on Assets (ROA) (0.56%) 14/25
Texas Ratio (37.64%) 4/20
Efficiency Ratio (69.01%) 8/15
61 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$109M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$709K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Central Bank McCook ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Central Bank McCook's score of 61/100 falls in the highlighted band.
First Central Bank McCook'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 Central Bank McCook's $127M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.69%
Texas Ratio
37.64%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.56%
Return on Equity (ROE)
5.53%
Efficiency Ratio
69.01%
What the numbers say about First Central Bank McCook
First Central Bank McCook is an FDIC-insured institution (Certificate #34995) headquartered in Mccook, Nebraska, established in 1999. It holds $127M in total assets - 3,533rd of 4,313 FDIC-insured banks, $109M in customer deposits, and $87M in net loans. Its capital position: a Tier 1 ratio of 13.69%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 37.64% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (61 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Central Bank McCook is a community-scale institution -- 99th of 142 FDIC-insured banks headquartered in Nebraska by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$8M
Interest Income
$208K
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 Central Bank McCook reports a Texas Ratio of 37.64% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
37.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Central Bank McCook (FDIC Cert #34995) - 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.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Central Bank McCook's health grade?▼
First Central Bank McCook receives a health grade of C (61/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Central Bank McCook?▼
First Central Bank McCook holds $127M in total assets and $109M in deposits, ranking 3,533rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Mccook, Nebraska.
Is my money safe at First Central Bank McCook?▼
Yes, deposits at First Central Bank McCook (Certificate #34995) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Central Bank McCook's Tier 1 Capital Ratio?▼
First Central Bank McCook has a Tier 1 Capital Ratio of 13.69%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Central Bank McCook?▼
First Central Bank McCook has a Texas Ratio of 37.64%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Central Bank McCook?▼
First Central Bank McCook has an Efficiency Ratio of 69.01%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Central Bank McCook's profile as a depositor or analyst.
- First Central Bank McCook's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Central Bank McCook against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.