First Central Bank
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Data as of · sourced from FFIEC call reports. How we update
First Central Bank is an FDIC-insured commercial bank headquartered in Cambridge, NE, established in 1907 (FDIC certificate 10637), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $137.8M, down 3.2% from Q2 2025, the 95th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 13.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10637
- Headquarters
- Cambridge, NE
- Established
- 1907
- Total assets, Q2 2026
- $137.8M
- Assets vs Q2 2025
- -3.2%
- CET1 ratio, Q2 2026
- 13.77%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104102587
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 95th of 138 in Nebraska
First Central Bank, based in Cambridge, Nebraska, reported $138 million in assets at June 30, 2026, down 3.2% from a year earlier. It carries problem assets equal to 22.3% of the capital and reserves that would absorb them, 8.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 2.5% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Earnings jumped: net income for the quarter was $486,000, 113% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 3.43% of loans from 6.52%.
As of June 30, 2026, First Central Bank reported a CET1 capital ratio of 13.77%, a return on assets of 1.41%, a nonperforming-loan ratio of 3.47% and a Texas ratio of 22.31%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, First Central Bank is the 95th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $137.8M, loans rose 6.0% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 34.9% of total loans, followed by agricultural production loans at 31.2%. Its 3 offices in the FDIC Summary of Deposits are in Arapahoe, NE, Cambridge, NE and Edison, NE; its Arapahoe office books 54% of its branch deposits. On its Q2 2026 call report, First Central Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 623 Patterson St, Cambridge, NE 69022
- County
- Furnas
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 15, 1907
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $117.7M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$63K
- Average total assets
- $137.6M
- Average total loans
- $100.1M
- Average interest-bearing deposits
- $94.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10637
- Fed RSSD
- 134156
- Website
- http://www.firstcentral.com →
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 1050495)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Central Bank's total assets ran between $128.8M (Q4 2023) and $144.5M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$137.8M total assets against $142.3M; $121.9M total liabilities against $127.5M.
$105.2M net loans and leases against $106.3M; $117.7M total deposits against $120.8M.
$15.2M securities against $13.9M; $12.3M cash and balances due against $16.3M.
$2.0M total interest income against $2.1M; $639K total interest expense against $720K.
$1.4M net interest income against $1.4M.
$231K total noninterest income against $107K; $1.0M total noninterest expense against $1.0M.
$15K provision for credit losses against $220K.
$486K net income against $228K.
1.41% return on assets against 0.65%; 4.15% net interest margin against 4.09%.
13.77% CET1 capital ratio against 12.34%; 11.59% tier 1 leverage ratio against 10.64%.
Inside the full First Central Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First Central Bank rankings
Its closest position to the top of a national ranking is 124 of 3,640, for Texas Ratio; its furthest is 3,388 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.68% (Q1 2025) to 1.93% (Q3 2025) and its net interest margin ran from 4.05% (Q1 2025) to 4.98% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.77% | 1.41% | 3.47% | 22.31% | 4.15% |
| Q1 2026 | 13.77% | 1.29% | 3.76% | 23.26% | 4.33% |
| Q4 2025 | 13.41% | 1.87% | 4.98% | 29.82% | 4.53% |
| Q3 2025 | 12.14% | 1.93% | 7.10% | 45.75% | 4.98% |
| Q2 2025 | 12.34% | 0.65% | 6.87% | 47.70% | 4.09% |
| Q1 2025 | 12.09% | -0.68% | 6.50% | 43.11% | 4.05% |
| Q4 2024 | 11.79% | 1.91% | 5.01% | 30.82% | 4.48% |
| Q3 2024 | 12.53% | 1.61% | 5.17% | 36.46% | 4.46% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Arapahoe Branch | Arapahoe , NE | 68922 | $63.5M |
| First Central Bank (main office) | Cambridge , NE | 69022 | $42.7M |
| Edison Branch | Edison , NE | 68936 | $11.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 29, 1990 | Structure Change | Acquired Farmers and Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NE, rank 106 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $318K approved, $159K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Central Bank
What are First Central Bank's total assets?
As of the Q2 2026 filing, First Central Bank reported total assets of $137.8 million in its FFIEC call report.
Where is First Central Bank headquartered?
It is headquartered in Cambridge, NE, United States.
When was First Central Bank founded?
It was established in 1907, per the FDIC institution directory.
Is First Central Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Central Bank?
First Central Bank's primary federal regulator is the FDIC.
What is First Central Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Central Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Central Bank's Texas Ratio?
Its Texas Ratio is 22.31% 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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