FDIC Cert #13868 · Lincoln, Nebraska · Est. 1912

First State Bank Nebraska - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.1B
Total assets
A
Health grade · Excellent
1.39%
Return on assets
11.5%
Tier 1 capital

Data updated July 2026

The verdict

First State Bank Nebraska earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.50% Tier 1, profitable at 1.39% ROA, efficient (55% cost ratio).

#942
largest of 4,313 FDIC banks by assets
78th
percentile by asset size, nationally
11.50%
Tier 1 ratio - above the 10% well-capitalized line
69th
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 13868 · NE A · 80/100

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

  • GRADE-A A (80/100)
  • MID-PACK #1951/4307
  • PHOTO-FINISH Farmers and Merchant… · IN
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-STRONG 1.39% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Farmers and Merchants Bank, IN (±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 Nebraska

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

Morgan Stanley Bank,… · UT ·…100/100CBW Bank · KS · near80/100Concordia Bank of Co… · MO ·…80/100Farmers and Merchant… · IN ·…80/100Fidelity Bank & Trust · IA ·…80/100First State Bank Neb… · NE ·…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First State Bank Nebraska · July 2026

What First State Bank Nebraska's Call Report plate shows

First State Bank Nebraska (FDIC Cert #13868) carries a PlainBankData health grade of A at 80/100, 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 #1,951 of 4,307. Tier 1 capital prints at 11.50%, clearing the 10% well-capitalized line. The Texas Ratio is 0.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.39%. Balance-sheet scale is $1.1B, 942nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers and Merchants Bank (IN), 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 Nebraska

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

First State Bank Nebraska'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 Nebraska 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 Nebraska's 80/100 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 avg77/10080/100
First State Bank Nebraska's composite health score
Tier 1 Capital Ratio (11.50%) 28/40
Return on Assets (ROA) (1.39%) 20/25
Texas Ratio (0.88%) 20/20
Efficiency Ratio (55.09%) 12/15

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

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$953M

Customer-funded liabilities

Net Loans

$877M

Outstanding loan book

Net Income

$15M

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.) 10.1% 11.5% 12.9%
Basel III capital ratios - First State Bank Nebraska

Where First State Bank Nebraska ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First State Bank Nebraska's score of 80/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

80 Top 45% higher than 55% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First State Bank Nebraska 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 Nebraska'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 Nebraska's $1.1B falls in the highlighted band.

Safety ratios for First State Bank Nebraska

Tier 1 capital ratio
Well-capitalized 10%

11.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.50%
Texas Ratio
0.88%
Equity Capital
$113M

What these ratios mean →

Earnings posture at First State Bank Nebraska

Return on Assets (ROA)
69th percentile nationally
1.39%
Return on Equity (ROE)
14.37%
Efficiency Ratio
55.09%

What these mean →

Income & expense at First State Bank Nebraska

$57M
Interest Income
$3M
Non-Interest Income
$20M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First State Bank Nebraska reports a Texas Ratio of 0.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First State Bank Nebraska 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 ($1.1B here), outside Nebraska so the neighborhood is not state containment.

The Honesdale National Bank $1.1B · PA Sturdy Savings Bank $1.1B · NJ Bank of Commerce $1.1B · MS Bank of the Orient $1.1B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First State Bank Nebraska (FDIC Cert #13868) - 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 Nebraska 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%