First Bank and Trust Company
Capital moved notably last quarter — CET1 ratio of 20.33% was up 188bps from the prior quarter. First Bank and Trust Company is an FDIC-insured commercial bank, during the post-Reconstruction banking expansion. On its most recent Q1 2026 call report, First Bank and Trust Company reported $92M in total assets against $69M in deposits. Returns are in line with industry norms at 0.96% ROA and 9.78% ROE; net interest margin is 3.40%. Regulatory capital is solid — 20.33% CET1 and 21.58% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 1.90%. The bank operates from a single office.
Headquarters Profile
- Address
- 315 E 4th St, MINDEN, NE 68959
- County
- Kearney
- Metro Area
- KEARNEY, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 11
- Established
- September 4, 1883
- Branches
- 1 domestic
- Employees (FTE)
- 13
- FDIC Cert
- 5438
- Fed RSSD
- 114859
- Website
- www.firstofminden.com →
- Parent Holding Company
- FIRST OF MINDEN FINANCIAL CORPORATION (RSSD 2850432)
Capital & Liquidity
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First Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First Bank and Trust Company
What are First Bank and Trust Company's total assets?
As of the Q1 2026 filing, First Bank and Trust Company reported total assets of $92.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bank and Trust Company headquartered?
First Bank and Trust Company is headquartered in MINDEN, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Bank and Trust Company founded?
First Bank and Trust Company was established in 1883, per the FDIC institution directory.
Is First Bank and Trust Company FDIC-insured?
Yes. First Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #5438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank and Trust Company?
First Bank and Trust Company's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bank and Trust Company's CET1 capital ratio?
First Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 20.33% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Bank and Trust Company operate?
First Bank and Trust Company operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is First Bank and Trust Company's Texas Ratio?
First Bank and Trust Company's Texas Ratio is 8.71% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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