FDIC Cert #17478 · Kimball, Nebraska · Est. 1955

FirsTier Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.1B
Total assets
C
Health grade · Fair
0.34%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

FirsTier Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 12.85% Tier 1, 0.34% ROA, 68% efficiency ratio.

#975
largest of 4,313 FDIC banks by assets
77th
percentile by asset size, nationally
12.85%
Tier 1 ratio - above the 10% well-capitalized line
11th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 17478 · NE C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3763/4307
  • PHOTO-FINISH Banterra Bank · IL
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-HEALTHY 27.1% Texas
  • ROA-THIN 0.34% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Banterra Bank, IL (±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 FirsTier Bank

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

Morgan Stanley Bank,… · UT ·…100/100Banterra Bank · IL · near60/100FirsTier Bank · NE · this ba…60/100Goppert State Servic… · KS ·…60/100Lake Country Communi… · MN ·…60/100The Walton State Bank · KS ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FirsTier Bank · July 2026

What FirsTier Bank's Call Report plate shows

FirsTier Bank (FDIC Cert #17478) carries a PlainBankData health grade of C at 60/100, 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 #3,763 of 4,307. Tier 1 capital prints at 12.85%, clearing the 10% well-capitalized line. The Texas Ratio is 27.10%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.34%. Balance-sheet scale is $1.1B, 975th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Banterra Bank (IL), 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 FirsTier Bank

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

FirsTier 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; FirsTier 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 FirsTier Bank's 60/100 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 avg77/10060/100
FirsTier Bank's composite health score
Tier 1 Capital Ratio (12.85%) 35/40
Return on Assets (ROA) (0.34%) 7/25
Texas Ratio (27.10%) 10/20
Efficiency Ratio (67.98%) 8/15

60 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

$919M

Customer-funded liabilities

Net Loans

$770M

Outstanding loan book

Net Income

$3M

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.) 11.45% 12.85% 14.25%
Basel III capital ratios - FirsTier Bank

Where FirsTier Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FirsTier Bank's score of 60/100 falls in the highlighted band.

FirsTier Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. FirsTier 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

FirsTier 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). FirsTier Bank's $1.1B falls in the highlighted band.

Safety ratios for FirsTier Bank

Tier 1 capital ratio
Well-capitalized 10%

12.85% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.85%
Texas Ratio
27.10%
Equity Capital
$121M

What these ratios mean →

Profitability metrics: FirsTier Bank

Return on Assets (ROA)
11th percentile nationally
0.34%
Return on Equity (ROE)
2.79%
Efficiency Ratio
67.98%

What these mean →

Income & expense at FirsTier Bank

$68M
Interest Income
$2M
Non-Interest Income
$27M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. FirsTier Bank reports a Texas Ratio of 27.10% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

27.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Pointbank $1.1B · TX United Bank of Michigan $1.1B · MI American Bank $1.1B · PA The Citizens National Bank of Bluffton $1.1B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FirsTier Bank (FDIC Cert #17478) - 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.

FirsTier 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%