BanksFIRST STATE BANK

FIRST STATE BANK

FARNAM, NESmallEst. July 26, 1904, midnightFDIC #12244RSSD #488756FDIC
Latest · 2025-12-31

FIRST STATE BANK is an 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%. CET1 capital ratio: 10.92%, well above regulatory minimums. NPL ratio: 0.38% · Texas Ratio: 1.45%. Operates 5 domestic branches.

Assets
$207M
Deposits
$127M
Loans
$104M
Equity
$25M

Profitability

Return on Assets (ROA)1.79%
Return on Equity (ROE)14.38%
Net Interest Margin3.36%
Yield on Assets5.94%
Cost of Funds2.71%

Asset Quality

NPL Ratio0.38%
Net Charge-Off Ratio0.01%
Texas Ratio1.45%
NPA Ratio0.19%
ACL / Loans1.50%

Capital & Liquidity

CET1 Ratio10.92%
Tier 1 Capital10.92%
Total Capital Ratio11.47%
Leverage Ratio12.34%
Loan-to-Deposit82.03%

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