First Bank of Utica: 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 Reserve coverage of non-performing loans: 20.15 percentage points higher than in Q1 2026, at 154.66%. Within Nebraska, First Bank of Utica is 119th of 138 on return on assets, 0.77% as of Q2 2026, below the middle of the field. First Bank of Utica reported 0.77% on return on assets for Q2 2026, 0.21 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.27% |
| Equity capital to assets | 14.32% |
| Tangible equity to tangible assets | 14.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.17% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 5.73% |
| Allowance for credit losses to loans | 1.81% |
| Reserve coverage of non-performing loans | 154.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.77% |
| Return on equity | 5.41% |
| Net interest margin | 4.41% |
| Efficiency ratio | 77.11% |
| Yield on earning assets | 6.00% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.17% |
| Core deposits to total deposits | 96.13% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 80.70% |
| Securities to assets | 0.16% |
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 | 12.81% | 1.48% | 4.75% | 0.82% | 0.00% |
| Q4 2023 | 13.56% | 1.14% | 4.54% | 0.81% | 0.00% |
| Q1 2024 | 13.19% | 1.10% | 4.37% | 1.53% | 0.00% |
| Q2 2024 | 13.59% | 1.22% | 4.47% | 1.04% | 0.00% |
| Q3 2024 | 14.02% | 1.15% | 4.58% | 0.91% | -0.05% |
| Q4 2024 | 14.70% | 1.04% | 4.47% | 0.94% | 0.00% |
| Q1 2025 | 14.15% | 0.70% | 4.21% | 0.85% | -0.01% |
| Q2 2025 | 13.87% | 0.89% | 4.44% | 1.33% | -0.01% |
| Q3 2025 | 14.37% | 0.95% | 4.75% | 1.19% | -0.01% |
| Q4 2025 | 14.77% | 1.32% | 4.75% | 1.09% | -0.01% |
| Q1 2026 | 14.12% | 0.51% | 4.25% | 1.46% | -0.01% |
| Q2 2026 | 14.27% | 0.77% | 4.41% | 1.17% | 0.17% |
First Bank of Utica vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Utica, 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 of Utica profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14281) · FFIEC NIC profile (RSSD 391959)