First Bank and Trust Company (Minden, NE)
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Data as of · sourced from FFIEC call reports. How we update
First Bank and Trust Company is an FDIC-insured commercial bank headquartered in Minden, NE, established in 1883 (FDIC certificate 5438), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $91.2M, down 4.4% from Q2 2025, the 106th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 20.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5438
- Headquarters
- Minden, NE
- Established
- 1883
- Total assets, Q2 2026
- $91.2M
- Assets vs Q2 2025
- -4.4%
- CET1 ratio, Q2 2026
- 20.55%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104901827
- Latest call report
- Q2 2026, FFIEC 051 · First Bank and Trust Company call report
- Holding company
- FIRST OF MINDEN FINANCIAL CORPORATION
- Asset rank in state
- 106th of 138 in Nebraska
First Bank and Trust Company, based in Minden, Nebraska, reported $91 million in assets at June 30, 2026, down 4.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also shrank its loan book 11.2% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.78%. The balance sheet shrank over the year: over the year loans fell 11.2% and deposits fell 3.3%. Where it has less room is capital: it funds 10.55% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, First Bank and Trust Company reported a CET1 capital ratio of 20.55%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Bank and Trust Company is the 106th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $91.2M, loans fell 0.3% and deposits fell 3.3%. 1-4 family residential loans made up 41.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 16.6%. The FDIC Summary of Deposits lists a single office for it, in Minden, NE. By the capital ratios in its Q2 2026 call report, First Bank and Trust Company meets every capital ratio test for well capitalized.
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
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 4, 1883
- Former names
- The First National Bank and Trust Company of Minden (1990-2007)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $66.3M
- Allowance for credit losses
- $749K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $93.3M
- Average total loans
- $44.1M
- Average interest-bearing deposits
- $56.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5438
- Fed RSSD
- 114859
- Website
- www.firstofminden.com →
- Parent Holding Company
- FIRST OF MINDEN FINANCIAL CORPORATION (RSSD 2850432)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Bank and Trust Company's total assets moved between a low of $91.2M (Q2 2026) and a high of $98.0M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$91.2M total assets against $95.3M; $81.9M total liabilities against $86.6M.
$43.3M net loans and leases against $48.9M; $66.3M total deposits against $68.6M.
$43.9M securities against $42.3M; $1.7M cash and balances due against $1.6M.
$1.1M total interest income against $1.2M; $363K total interest expense against $431K.
$763K net interest income against $744K.
$99K total noninterest income against $77K; $606K total noninterest expense against $617K.
No provision recorded in the last 12 quarters.
$242K net income against $210K.
1.04% return on assets against 0.85%; 3.44% net interest margin against 3.17%.
20.55% CET1 capital ratio against 18.08%; 10.55% tier 1 leverage ratio against 9.80%.
Inside the full First Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.05% (Q4 2024) to 1.24% (Q3 2025) and its net interest margin ran from 2.64% (Q3 2024) to 3.44% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.55% | 1.04% | 0.00% | 0.00% | 3.44% |
| Q1 2026 | 20.33% | 0.96% | 1.90% | 8.71% | 3.40% |
| Q4 2025 | 18.44% | 0.39% | 2.70% | 13.00% | 3.22% |
| Q3 2025 | 18.70% | 1.24% | 1.27% | 6.24% | 3.35% |
| Q2 2025 | 18.08% | 0.85% | 0.78% | 4.10% | 3.17% |
| Q1 2025 | 18.41% | 1.09% | 0.50% | 2.72% | 3.09% |
| Q4 2024 | 17.15% | -0.05% | 0.48% | 2.89% | 2.86% |
| Q3 2024 | 16.79% | 0.93% | 0.00% | 0.00% | 2.64% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank and Trust Company (main office) | Minden , NE | 68959 | $66.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 127 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First Bank and Trust Company reported total assets of $91.2 million in its FFIEC call report.
Where is First Bank and Trust Company headquartered?
It is headquartered in Minden, NE, United States.
When was First Bank and Trust Company founded?
It was established in 1883, per the FDIC institution directory.
Is First Bank and Trust Company FDIC-insured?
Yes. It 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 Federal Reserve.
What is First Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank and Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Bank and Trust Company previously called?
The charter now named First Bank and Trust Company has also operated as The First National Bank and Trust Company of Minden (1990-2007), per FDIC structure-change records.
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