BanksFIRST STATE BANK

FIRST STATE BANK

RANDOLPH, NEMicroEst. July 1, 1935, midnightFDIC #15364RSSD #861854FDIC
Latest · 2025-12-31

FIRST STATE BANK is an FDIC-insured commercial bank headquartered in RANDOLPH, NE, established in July 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $57M. Profitability stands at 1.20% ROA and 10.43% ROE, with a net interest margin of 3.46%. CET1 capital ratio: 11.10%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$80M
Deposits
$57M
Loans
$57M
Equity
$9M

Profitability

Return on Assets (ROA)1.20%
Return on Equity (ROE)10.43%
Net Interest Margin3.46%
Yield on Assets6.77%
Cost of Funds3.50%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.65%

Capital & Liquidity

CET1 Ratio11.10%
Tier 1 Capital11.10%
Total Capital Ratio11.65%
Leverage Ratio11.91%
Loan-to-Deposit99.55%

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