First Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 1.90 percentage points lower than in Q1 2026, at 0.00%. Within Nebraska, First Bank and Trust Company is 105th of 138 on return on assets, 1.04% as of Q2 2026, below the middle of the field. First Bank and Trust Company reported 1.04% on return on assets for Q2 2026, 0.06 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.55% |
| Tier 1 risk-based capital ratio | 20.55% |
| Total risk-based capital ratio | 21.80% |
| Tier 1 leverage ratio | 10.55% |
| Equity capital to assets | 10.17% |
| Tangible equity to tangible assets | 10.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 10.65% |
| Net interest margin | 3.44% |
| Efficiency ratio | 68.24% |
| Yield on earning assets | 5.02% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.47% |
| Core deposits to total deposits | 95.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.72% |
| Securities to assets | 48.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.43% | 16.43% | 17.68% | 9.18% | -0.05% |
| Q4 2023 | 16.48% | 16.48% | 17.73% | 9.01% | 0.42% |
| Q1 2024 | 17.53% | 17.53% | 18.78% | 9.05% | 0.36% |
| Q2 2024 | 16.67% | 16.67% | 17.92% | 9.27% | 0.66% |
| Q3 2024 | 16.79% | 16.79% | 18.04% | 9.51% | 0.93% |
| Q4 2024 | 17.15% | 17.15% | 18.40% | 9.52% | -0.05% |
| Q1 2025 | 18.41% | 18.41% | 19.66% | 9.61% | 1.09% |
| Q2 2025 | 18.08% | 18.08% | 19.33% | 9.80% | 0.85% |
| Q3 2025 | 18.70% | 18.70% | 19.96% | 10.48% | 1.24% |
| Q4 2025 | 18.44% | 18.44% | 19.69% | 10.51% | 0.39% |
| Q1 2026 | 20.33% | 20.33% | 21.58% | 10.27% | 0.96% |
| Q2 2026 | 20.55% | 20.55% | 21.80% | 10.55% | 1.04% |
First Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5438) · FFIEC NIC profile (RSSD 114859)