FDIC Cert #16333 · Loomis, Nebraska · Est. 1945

First State Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$230M
Total assets
A
Health grade · Excellent
1.62%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.19% Tier 1, profitable at 1.62% ROA, efficient (48% cost ratio).

#2,846
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
13.19%
Tier 1 ratio - above the 10% well-capitalized line
79th
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 16333 · NE A · 95/100

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

  • GRADE-A A (95/100)
  • TOP-DECILE #416/4307
  • PHOTO-FINISH The Bennington State… · KS
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-STRONG 1.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: The Bennington State Bank, KS (±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 State Bank

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

Morgan Stanley Bank,… · UT ·…100/100First State Bank · NE · this…95/100First State Bank · TX · near95/100Fusion Bank · KS · near95/100The Bennington State… · KS ·…95/100Western Bank · NM · near95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank · July 2026

What First State Bank's Call Report plate shows

First State Bank (FDIC Cert #16333) carries a PlainBankData health grade of A at 95/100, 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 #416 of 4,307. Tier 1 capital prints at 13.19%, clearing the 10% well-capitalized line. The Texas Ratio is 0.90%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.62%. Balance-sheet scale is $230M, 2,846th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Bennington State Bank (KS), 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 State Bank

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

First State Bank'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 State Bank 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 State Bank's 95/100 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 avg77/10095/100
First State Bank's composite health score
Tier 1 Capital Ratio (13.19%) 35/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (0.90%) 20/20
Efficiency Ratio (48.46%) 15/15

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

Balance sheet at a glance

Total Assets

$230M

Total balance-sheet footings

Total Deposits

$199M

Customer-funded liabilities

Net Loans

$164M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.79% 13.19% 14.59%
Basel III capital ratios - First State Bank

Where First State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank's score of 95/100 falls in the highlighted band.

First State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 10% higher than 90% 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 State Bank 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 State Bank'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 State Bank's $230M falls in the highlighted band.

Safety ratios for First State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.19%
Texas Ratio
0.90%
Equity Capital
$29M

What these ratios mean →

Earnings posture at First State Bank

Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
13.20%
Efficiency Ratio
48.46%

What these mean →

Income & expense at First State Bank

$12M
Interest Income
$587K
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 State Bank reports a Texas Ratio of 0.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank 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 ($230M here), outside Nebraska so the neighborhood is not state containment.

Bank of Weston $230M · MO Bank of Columbia $230M · KY Bank of Wiggins $230M · MS Security Bank $230M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank (FDIC Cert #16333) - 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 State Bank 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%