FIRST BANK AND TRUST OF FULLERTON
FIRST BANK AND TRUST OF FULLERTON is an FDIC-insured commercial bank headquartered in FULLERTON, NE, established in 1881. As of , the bank reported total assets of $111M and total deposits of $86M. Profitability stands at 1.01% ROA and 8.04% ROE, with a net interest margin of 3.24%. CET1 capital ratio: 12.62%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First Bank and Trust of Fullerton rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.62% | 1.01% | 0.00% | 0.00% | 3.24% |
| 2025-09-30 | 12.56% | 0.99% | 0.00% | 0.00% | 3.26% |
| 2025-06-30 | 12.62% | 1.12% | 0.00% | 0.00% | 3.24% |
| 2025-03-31 | 12.38% | 0.78% | 0.00% | 0.00% | 3.03% |
| 2024-12-31 | 12.32% | 0.66% | 0.00% | 0.02% | 3.09% |
| 2024-09-30 | 12.72% | 0.88% | 0.00% | 0.02% | 3.11% |
| 2024-06-30 | 12.83% | 1.10% | 0.00% | 0.00% | 3.23% |
| 2024-03-31 | 12.58% | 0.78% | 0.00% | 0.00% | 3.13% |
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Frequently asked about FIRST BANK AND TRUST OF FULLERTON
What are First Bank and Trust of Fullerton's total assets?
As of the Q4 2025 filing, First Bank and Trust of Fullerton reported total assets of $111.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank and Trust of Fullerton headquartered?
First Bank and Trust of Fullerton is headquartered in FULLERTON, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Bank and Trust of Fullerton founded?
First Bank and Trust of Fullerton was established in 1881, per the FDIC institution directory.
Is First Bank and Trust of Fullerton FDIC-insured?
Yes. First Bank and Trust of Fullerton is an FDIC-insured commercial bank (FDIC Certificate #5405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank and Trust of Fullerton?
First Bank and Trust of Fullerton's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bank and Trust of Fullerton's CET1 capital ratio?
First Bank and Trust of Fullerton reported a Common Equity Tier 1 (CET1) capital ratio of 12.62% in its most recent quarterly filing — above regulatory minimums.
How many branches does First Bank and Trust of Fullerton operate?
First Bank and Trust of Fullerton operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Bank and Trust of Fullerton's Texas Ratio?
First Bank and Trust of Fullerton's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.