First State Bank Nebraska: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First State Bank Nebraska, based in Lincoln, Nebraska, reported $1.1 billion in assets at June 30, 2026, up 3.1% from a year earlier. It holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 9.00% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Net income for the quarter rose 27% from a year earlier, to $4.4 million. Over the same year, loans grew 7.1% and deposits grew 10.6%.
As of June 30, 2026, First State Bank Nebraska reported a CET1 capital ratio of 11.56%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.25%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2701 Grainger Pkwy, Lincoln, NE 68516
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 12, 1912
- Offices
- 18 domestic
- Employees (FTE)
- 125
- Domestic deposits
- $990.0M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $120K
- Average total assets
- $1.15B
- Average total loans
- $899.9M
- Average interest-bearing deposits
- $900.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 10, 1934
- FDIC Cert
- 13868
- Fed RSSD
- 499453
- SEC CIK
- 1827265 → filed by FIRST STATE HOLDING CO.
- Website
- http://www.1fsb.bank →
- Parent Holding Company
- FIRST STATE HOLDING CO. (RSSD 1056581)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First State Bank Nebraska terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First State Bank Nebraska, freeFirst State Bank Nebraska rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 11.56% | 1.52% | 0.24% | 1.25% | 3.48% |
| Q1 2026 | 11.63% | 1.46% | 0.26% | 0.32% | 3.50% |
| Q4 2025 | 11.50% | 1.50% | 0.25% | 0.56% | 3.46% |
| Q3 2025 | 11.41% | 1.49% | 0.37% | 0.68% | 3.35% |
| Q2 2025 | 11.22% | 1.30% | 0.24% | 0.77% | 3.20% |
| Q1 2025 | 11.50% | 1.29% | 0.14% | 0.22% | 3.12% |
| Q4 2024 | 11.12% | 1.37% | 0.15% | 0.30% | 3.10% |
| Q3 2024 | 11.24% | 1.21% | 0.16% | 0.35% | 2.91% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank Nebraska (main office) | Lincoln , NE | 68516 | $267.2M |
| Hickman Branch | Hickman , NE | 68372 | $122.9M |
| Wilber Branch | Wilber , NE | 68465 | $105.1M |
| Plattsmouth Highway Branch | Plattsmouth , NE | 68048 | $95.5M |
| Beatrice Branch | Beatrice , NE | 68310 | $88.5M |
| Old Cheney Branch | Lincoln , NE | 68516 | $50.2M |
| De Witt Branch | De Witt , NE | 68341 | $43.9M |
| Filley Branch | Filley , NE | 68357 | $43.7M |
| Yutan Branch | Yutan , NE | 68073 | $39.1M |
| Waverly Branch | Waverly , NE | 68462 | $27.2M |
| Community State Bank Branch | Colon , NE | 68018 | $19.5M |
| Cedar Bluffs Branch | Cedar Bluffs , NE | 68015 | $19.5M |
| Dorchester Branch | Dorchester , NE | 68343 | $18.1M |
| Cortland Branch | Cortland , NE | 68331 | $18.0M |
| Western Branch | Western , NE | 68464 | $13.8M |
| Nehawka Branch | Nehawka , NE | 68413 | $13.8M |
| Omaha Branch | Omaha , NE | 68106 | $4.0M |
| Plattsmouth Branch | Plattsmouth , NE | 68048 | $1K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 15, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2025 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2020 | Structure Change | Acquired Plattsmouth State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2018 | Structure Change | Acquired The Nehawka Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2010 | Structure Change | Acquired De Witt State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 18, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 2009 | Structure Change | Acquired Filley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2007 | Structure Change | Acquired Saline State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2006 | Structure Change | Acquired Bank of Yutan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First State Bank Nebraska, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 3, 2019, Federal Reserve: Civil Money Penalty, $37,000: First State Bank Nebraska, Lincoln, Nebraska
- Period: Most recent institution action September 3, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in NE, rank 18 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 283 applications, 205 loans originated, $56.8M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 17 loans, $8.8M approved, $519K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First State Bank Nebraska
What are First State Bank Nebraska's total assets?
As of the Q2 2026 filing, First State Bank Nebraska reported total assets of $1.13 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First State Bank Nebraska headquartered?
First State Bank Nebraska is headquartered in Lincoln, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First State Bank Nebraska founded?
First State Bank Nebraska was established in 1912, per the FDIC institution directory.
Is First State Bank Nebraska FDIC-insured?
Yes. First State Bank Nebraska is an FDIC-insured commercial bank (FDIC Certificate #13868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank Nebraska?
First State Bank Nebraska's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First State Bank Nebraska's CET1 capital ratio?
First State Bank Nebraska reported a Common Equity Tier 1 (CET1) capital ratio of 11.56% in its Q2 2026 call report, above regulatory requirements.
How many branches does First State Bank Nebraska operate?
First State Bank Nebraska operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank Nebraska's Texas Ratio?
First State Bank Nebraska's Texas Ratio is 1.25% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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