FIRST STATE BANK

LOOMIS, NE | Small | Est. Oct. 22, 1945, midnight | FDIC #16333 | RSSD #172859 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in LOOMIS, NE, established in Oct. 22, 1945, midnight. As of 2025-12-31, the bank reported total assets of $230M and total deposits of $199M. Profitability stands at 1.59% ROA and 12.79% ROE, with a net interest margin of 4.01%. The bank's CET1 capital ratio is 13.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.68%. FDIC Certificate #16333.

Assets

$230M

Deposits

$199M

Loans

$166M

Equity

$29M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 12.79%
Net Interest Margin (NIM) 4.01%
Yield on Assets 5.71%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.68%
NPA Ratio 0.09%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 13.19%
Tier 1 Capital 13.19%
Total Capital Ratio 14.24%
Leverage Ratio 11.12%
Loan-to-Deposit 83.57%

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