FIRST CENTRAL BANK MCCOOK

MCCOOK, NE | Small | Est. Jan. 4, 1999, midnight | FDIC #34995 | RSSD #2726050 | FDIC
Latest Report: 2025-12-31

FIRST CENTRAL BANK MCCOOK is asn small FDIC-insured commercial bank headquartered in MCCOOK, NE, established in Jan. 4, 1999, midnight. As of 2025-12-31, the bank reported total assets of $127M and total deposits of $109M. Profitability stands at 2.34% ROA and 22.24% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 13.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 6.43% and a Texas Ratio of 37.64%. FDIC Certificate #34995.

Assets

$127M

Deposits

$109M

Loans

$89M

Equity

$14M

Profitability

Return on Assets (ROA) 2.34%
Return on Equity (ROE) 22.24%
Net Interest Margin (NIM) 4.57%
Yield on Assets 7.06%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 6.43%
Net Charge-Off Ratio 1.30%
Texas Ratio 37.64%
NPA Ratio 4.47%
ACL / Loans 1.80%

Capital & Liquidity

CET1 Ratio 13.69%
Tier 1 Capital 13.69%
Total Capital Ratio 14.94%
Leverage Ratio 10.74%
Loan-to-Deposit 81.39%

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