First Bank and Trust of Fullerton: 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.
Loan-to-deposit ratio climbed 2.80 percentage points in Q2 2026, from 80.01% to 82.81%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First Bank and Trust of Fullerton is 87th of 138 on return on assets, 1.22% as of Q2 2026, below the middle of the field. At 1.22%, First Bank and Trust of Fullerton's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.20% |
| Equity capital to assets | 13.45% |
| Tangible equity to tangible assets | 13.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 47850.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 9.28% |
| Net interest margin | 3.38% |
| Efficiency ratio | 59.53% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.81% |
| Core deposits to total deposits | 89.95% |
| Brokered deposits to total deposits | 7.07% |
| Deposits to assets | 77.47% |
| Securities to assets | 23.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.77% | 0.80% | 3.12% | 0.00% | 0.00% |
| Q4 2023 | 13.73% | 0.78% | 3.04% | 0.00% | -0.01% |
| Q1 2024 | 14.04% | 0.79% | 3.18% | 0.00% | 0.00% |
| Q2 2024 | 14.23% | 1.10% | 3.29% | 0.00% | 0.00% |
| Q3 2024 | 14.03% | 0.88% | 3.16% | 0.00% | 0.01% |
| Q4 2024 | 13.69% | 0.66% | 3.14% | 0.00% | 0.00% |
| Q1 2025 | 13.74% | 0.78% | 3.09% | 0.00% | 0.00% |
| Q2 2025 | 13.73% | 1.10% | 3.27% | 0.00% | 0.00% |
| Q3 2025 | 13.68% | 0.99% | 3.31% | 0.00% | 0.01% |
| Q4 2025 | 13.33% | 1.00% | 3.29% | 0.00% | 0.00% |
| Q1 2026 | 14.12% | 0.91% | 3.35% | 0.00% | 0.00% |
| Q2 2026 | 14.20% | 1.22% | 3.38% | 0.00% | 0.00% |
First Bank and Trust of Fullerton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust of Fullerton, 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 of Fullerton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5405) · FFIEC NIC profile (RSSD 266655)