First Bank and Trust of Fullerton
Also written as FB&T of Fullerton
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Data as of · sourced from FFIEC call reports. How we update
First Bank and Trust of Fullerton is an FDIC-insured commercial bank headquartered in Fullerton, NE, established in 1881 (FDIC certificate 5405), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $108.3M, up 1.9% from Q2 2025, the 102nd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5405
- Headquarters
- Fullerton, NE
- Established
- 1881
- Total assets, Q2 2026
- $108.3M
- Assets vs Q2 2025
- +1.9%
- Tier 1 leverage ratio, Q2 2026
- 14.20%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104901717
- Latest call report
- Q2 2026, FFIEC 051 · First Bank and Trust of Fullerton Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- FIRST NATIONAL HOLDING COMPANY, INC.
- Asset rank in state
- 102nd of 138 in Nebraska
First Bank and Trust of Fullerton, based in Fullerton, Nebraska, reported $108 million in assets at June 30, 2026, up 1.9% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for the 2,627 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 27% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 12% from a year earlier, to $333,000. Its margin is thin by comparison: it keeps 3.38 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, First Bank and Trust of Fullerton reported a return on assets of 1.22%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
First Bank and Trust of Fullerton ranks as the 102nd largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $108.3M, loans rose 4.4% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 48.9% of total loans, ahead of agricultural production loans at 36.9%. The FDIC Summary of Deposits lists 2 offices for it, in Fullerton, NE and Saint Edward, NE; its Fullerton office books 87% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank and Trust of Fullerton meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 230 Broadway St, Fullerton, NE 68638
- County
- Nance
- 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
- October 1, 1881
- Former names
- First National Bank and Trust of Fullerton (1977-2010)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $83.9M
- Allowance for credit losses
- $957K
- Net charge-offs (YTD)
- $0
- Average total assets
- $109.1M
- Average total loans
- $67.2M
- Average interest-bearing deposits
- $71.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5405
- Fed RSSD
- 266655
- Website
- http://www.fbtfullerton.com →
- Parent Holding Company
- FIRST NATIONAL HOLDING COMPANY, INC. (RSSD 1247811)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Bank and Trust of Fullerton reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bank and Trust of Fullerton's total assets ran between $100.2M (Q2 2024) and $111.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$108.3M total assets against $106.3M; $93.7M total liabilities against $92.9M.
$68.5M net loans and leases against $67.9M; $83.9M total deposits against $82.9M.
$25.5M securities against $23.1M; $6.1M cash and balances due against $8.0M.
$1.3M total interest income against $1.3M; $459K total interest expense against $502K.
$834K net interest income against $810K.
$101K total noninterest income against $78K; $571K total noninterest expense against $531K.
$0 provision for credit losses against $0.
$333K net income against $298K.
1.22% return on assets against 1.10%; 3.38% net interest margin against 3.27%.
14.20% tier 1 leverage ratio against 13.73%.
Inside the full First Bank and Trust of Fullerton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank and Trust of Fullerton rankings
Its closest position to the top of a national ranking is 1,765 of 3,606, for efficiency ratio; its furthest is 3,329 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.66% (Q4 2024) to 1.22% (Q2 2026) and its net interest margin ran from 3.09% (Q1 2025) to 3.38% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.20% | 1.22% | 0.00% | 0.01% | 3.38% |
| Q1 2026 | 14.12% | 0.91% | 0.19% | 0.85% | 3.35% |
| Q4 2025 | 13.33% | 1.00% | 0.00% | 0.02% | 3.29% |
| Q3 2025 | 13.68% | 0.99% | 0.00% | 0.01% | 3.31% |
| Q2 2025 | 13.73% | 1.10% | 0.00% | 0.02% | 3.27% |
| Q1 2025 | 13.74% | 0.78% | 0.00% | 0.00% | 3.09% |
| Q4 2024 | 13.69% | 0.66% | 0.02% | 0.09% | 3.14% |
| Q3 2024 | 14.03% | 0.88% | 0.00% | 0.02% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 of Fullerton (main office) | Fullerton , NE | 68638 | $72.7M |
| St. Edward Branch | Saint Edward , NE | 68660 | $11.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 5 against individuals associated with it
- Period: Most recent action October 9, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 116 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $221K approved, $221K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 of Fullerton
What are First Bank and Trust of Fullerton's total assets?
As of the Q2 2026 filing, First Bank and Trust of Fullerton reported total assets of $108.3 million in its FFIEC call report.
Where is First Bank and Trust of Fullerton headquartered?
It is headquartered in Fullerton, NE, United States.
When was First Bank and Trust of Fullerton founded?
It was established in 1881, per the FDIC institution directory.
Is First Bank and Trust of Fullerton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5405). 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 of Fullerton?
First Bank and Trust of Fullerton's primary federal regulator is the Federal Reserve.
How many branches does First Bank and Trust of Fullerton operate?
It operates 2 domestic offices, 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 of Fullerton's Texas Ratio?
Its Texas Ratio is 0.01% 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 of Fullerton previously called?
The charter now named First Bank and Trust of Fullerton has also operated as First National Bank and Trust of Fullerton (1977-2010), per FDIC structure-change records.
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