FDIC Cert #5460 · Ord, Nebraska · Est. 1882

First National Bank in Ord - FDIC Bank Health Profile

A community-scale look at First National Bank in Ord's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$160M
Total assets
A
Health grade · Excellent
1.66%
Return on assets
22.7%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank in Ord earns a PlainBankData health grade of A (97/100), with well-capitalized at 22.73% Tier 1, profitable at 1.66% ROA, efficient (59% cost ratio).

#3,272
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
22.73%
Tier 1 ratio - above the 10% well-capitalized line
81st
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.

FDIC Call Report plate

Cert 5460 · NE A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #239/4307
  • PHOTO-FINISH The First National B… · TX
  • TIER1-WELL 22.7% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-STRONG 1.66% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: The First National Bank of Winnsboro, TX (±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 National Bank in Ord

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

Morgan Stanley Bank,… · UT ·…100/100Chambers Bank · AR · near97/100First National Bank… · NE · …97/100First Security Bank… · MN · …97/100State Central Bank · IA · ne…97/100The First National B… · TX ·…97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank in Ord · July 2026

What First National Bank in Ord's Call Report plate shows

First National Bank in Ord (FDIC Cert #5460) carries a PlainBankData health grade of A at 97/100, 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 #239 of 4,307. Tier 1 capital prints at 22.73%, clearing the 10% well-capitalized line. The Texas Ratio is 0.32%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.66%. Balance-sheet scale is $160M, 3,272nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Winnsboro (TX), 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 National Bank in Ord

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

First National Bank in Ord'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 National Bank in Ord 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 National Bank in Ord's 97/100 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 avg77/10097/100
First National Bank in Ord's composite health score
Tier 1 Capital Ratio (22.73%) 40/40
Return on Assets (ROA) (1.66%) 25/25
Texas Ratio (0.32%) 20/20
Efficiency Ratio (58.62%) 12/15

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

Balance sheet at a glance

Total Assets

$160M

Total balance-sheet footings

Total Deposits

$142M

Customer-funded liabilities

Net Loans

$81M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.33% 22.73% 24.13%
Basel III capital ratios - First National Bank in Ord

Where First National Bank in Ord ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank in Ord's score of 97/100 falls in the highlighted band.

First National Bank in Ord: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 6% higher than 94% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First National Bank in Ord 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 National Bank in Ord'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 National Bank in Ord's $160M falls in the highlighted band.

Safety ratios for First National Bank in Ord

Tier 1 capital ratio
Well-capitalized 10%

22.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.73%
Texas Ratio
0.32%
Equity Capital
$18M

What these ratios mean →

Earnings posture at First National Bank in Ord

Return on Assets (ROA)
81st percentile nationally
1.66%
Return on Equity (ROE)
15.04%
Efficiency Ratio
58.62%

What these mean →

Income & expense at First National Bank in Ord

$8M
Interest Income
$366K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank in Ord reports a Texas Ratio of 0.32% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.32% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National Bank in Ord 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 ($160M here), outside Nebraska so the neighborhood is not state containment.

Citizens Savings Bank $160M · IA Sharon Bank $160M · PA First State Bank of Campbell Hill $160M · IL First Community Bank $159M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank in Ord (FDIC Cert #5460) - 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 National Bank in Ord 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%