BanksFIRST BANK OF UTICA

FIRST BANK OF UTICA

UTICA, NEMicroEst. Jan. 1, 1882, midnightFDIC #14281RSSD #391959FED
Latest · 2025-12-31

FIRST BANK OF UTICA is an FDIC-insured commercial bank headquartered in UTICA, NE, established in Jan. 1, 1882, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $65M. Profitability stands at 1.28% ROA and 9.01% ROE, with a net interest margin of 4.79%. CET1 capital ratio: 13.86%, well above regulatory minimums. NPL ratio: 0.45% · Texas Ratio: 2.26%. Operates 4 domestic branches.

Assets
$80M
Deposits
$65M
Loans
$61M
Equity
$11M

Profitability

Return on Assets (ROA)1.28%
Return on Equity (ROE)9.01%
Net Interest Margin4.79%
Yield on Assets6.40%
Cost of Funds1.75%

Asset Quality

NPL Ratio0.45%
Net Charge-Off Ratio-0.01%
Texas Ratio2.26%
NPA Ratio0.34%
ACL / Loans1.81%

Capital & Liquidity

CET1 Ratio13.86%
Tier 1 Capital13.86%
Total Capital Ratio14.56%
Leverage Ratio14.77%
Loan-to-Deposit93.21%

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