FIRST BANK AND TRUST COMPANY

MINDEN, NE | Micro | Est. Sept. 4, 1883, midnight | FDIC #5438 | RSSD #114859 | FED
Latest Report: 2025-12-31

FIRST BANK AND TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in MINDEN, NE, established in Sept. 4, 1883, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $69M. Profitability stands at 0.39% ROA and 3.91% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 18.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.68% and a Texas Ratio of 8.11%. FDIC Certificate #5438.

Assets

$94M

Deposits

$69M

Loans

$49M

Equity

$9M

Profitability

Return on Assets (ROA) 0.39%
Return on Equity (ROE) 3.91%
Net Interest Margin (NIM) 3.32%
Yield on Assets 5.17%
Cost of Funds 2.58%

Asset Quality

NPL Ratio 1.68%
Net Charge-Off Ratio -0.03%
Texas Ratio 8.11%
NPA Ratio 0.88%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 18.44%
Tier 1 Capital 18.44%
Total Capital Ratio 19.69%
Leverage Ratio 10.51%
Loan-to-Deposit 70.77%

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