First Bank of Utica
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Utica is an FDIC-insured commercial bank headquartered in Utica, NE, established in 1882 (FDIC certificate 14281), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $77.4M, little changed from Q2 2025, the 115th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.27% 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
- 14281
- Headquarters
- Utica, NE
- Established
- 1882
- Total assets, Q2 2026
- $77.4M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 14.27%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104904277
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Utica call report
- Holding company
- FIRST NATIONAL UTICA COMPANY
- Asset rank in state
- 115th of 138 in Nebraska
Problem loans are falling at First Bank of Utica. It reported $77 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.63% of loans from 1.13% a year earlier.
The commercial and industrial book ($6.4 million) is worsening: 4.23% of it is past due or on nonaccrual, up from 2.06% a year earlier. Net income for the quarter slipped 13% from a year earlier, to $149,000.
As of June 30, 2026, First Bank of Utica reported a return on assets of 0.77%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 3.07%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, First Bank of Utica is the 115th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.9% to $77.4M, loans rose 5.5% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 35.6% of total loans, followed by agricultural production loans at 31.3%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in NE; its Utica office books 69% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank of Utica meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 785 D St, Utica, NE 68456
- County
- Seward
- Metro Area
- Lincoln, 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
- January 1, 1882
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $62.4M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $24K
- Average total assets
- $77.7M
- Average total loans
- $59.4M
- Average interest-bearing deposits
- $51.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 16, 1934
- FDIC Cert
- 14281
- Fed RSSD
- 391959
- Parent Holding Company
- FIRST NATIONAL UTICA COMPANY (RSSD 1065109)
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 of Utica reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Bank of Utica's total assets ranged from $70.5M (Q4 2024) to $80.3M (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
$77.4M total assets against $77.4M; $66.3M total liabilities against $66.7M.
$58.3M net loans and leases against $58.9M; $62.4M total deposits against $62.5M.
$120K securities against $616K; $16.0M cash and balances due against $14.9M.
$1.1M total interest income against $1.1M; $300K total interest expense against $305K.
$837K net interest income against $830K.
$28K total noninterest income against $26K; $667K total noninterest expense against $629K.
No provision recorded in the last 12 quarters.
$149K net income against $172K.
0.77% return on assets against 0.89%; 4.41% net interest margin against 4.44%.
14.27% tier 1 leverage ratio against 13.87%.
Inside the full First Bank of Utica terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q1 2026) to 1.32% (Q4 2025) and its net interest margin ran from 4.21% (Q1 2025) to 4.75% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 0.77% | 0.63% | 3.07% | 4.41% |
| Q1 2026 | 14.12% | 0.51% | 0.87% | 4.09% | 4.25% |
| Q4 2025 | 14.77% | 1.32% | 0.45% | 2.26% | 4.75% |
| Q3 2025 | 14.37% | 0.95% | 1.00% | 5.21% | 4.75% |
| Q2 2025 | 13.87% | 0.89% | 1.13% | 5.76% | 4.44% |
| Q1 2025 | 14.15% | 0.70% | 0.64% | 3.17% | 4.21% |
| Q4 2024 | 14.70% | 1.04% | 0.71% | 3.38% | 4.47% |
| Q3 2024 | 14.02% | 1.15% | 0.70% | 3.59% | 4.58% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 of Utica (main office) | Utica , NE | 68456 | $42.8M |
| Bank of Friend Branch | Friend , NE | 68359 | $12.0M |
| Milligan Branch | Milligan , NE | 68406 | $3.8M |
| Cordova Branch | Cordova , NE | 68330 | $3.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 3 against individuals associated with it
- Period: Most recent action November 2, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 128 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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 of Utica
What are First Bank of Utica's total assets?
As of the Q2 2026 filing, First Bank of Utica reported total assets of $77.4 million in its FFIEC call report.
Where is First Bank of Utica headquartered?
It is headquartered in Utica, NE, United States.
When was First Bank of Utica founded?
It was established in 1882, per the FDIC institution directory.
Is First Bank of Utica FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Utica?
First Bank of Utica's primary federal regulator is the Federal Reserve.
How many branches does First Bank of Utica operate?
It operates 4 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 of Utica's Texas Ratio?
Its Texas Ratio is 3.07% 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.
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