FIRST STATE BANK

FARNAM, NE | Small | Est. July 26, 1904, midnight | FDIC #12244 | RSSD #488756 | FDIC
Latest Report: 2025-12-31

FIRST STATE BANK is asn small FDIC-insured commercial bank headquartered in FARNAM, NE, established in July 26, 1904, midnight. As of 2025-12-31, the bank reported total assets of $207M and total deposits of $127M. Profitability stands at 1.79% ROA and 14.38% ROE, with a net interest margin of 3.36%. The bank's CET1 capital ratio is 9.53%. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 1.45%. FDIC Certificate #12244.

Assets

$207M

Deposits

$127M

Loans

$104M

Equity

$25M

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 14.38%
Net Interest Margin (NIM) 3.36%
Yield on Assets 5.94%
Cost of Funds 2.71%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.45%
NPA Ratio 0.19%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 9.53%
Tier 1 Capital 9.53%
Total Capital Ratio 10.01%
Leverage Ratio 12.34%
Loan-to-Deposit 82.03%

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