First Central Bank: 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 3.81 percentage points in Q2 2026, from 86.71% to 90.52%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First Central Bank is 63rd of 138 on return on assets, 1.41% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Central Bank sits 0.16 points higher, at 1.41% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.77% |
| Tier 1 risk-based capital ratio | 13.77% |
| Total risk-based capital ratio | 15.00% |
| Tier 1 leverage ratio | 11.59% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 11.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.47% |
| Non-performing assets ratio | 2.83% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 22.56% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 37.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 12.23% |
| Net interest margin | 4.15% |
| Efficiency ratio | 64.07% |
| Yield on earning assets | 6.08% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.52% |
| Core deposits to total deposits | 75.51% |
| Brokered deposits to total deposits | 13.17% |
| Deposits to assets | 85.43% |
| Securities to assets | 11.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.62% | 11.62% | 12.87% | 10.56% | 1.77% |
| Q4 2023 | 11.47% | 11.47% | 12.72% | 10.82% | 1.48% |
| Q1 2024 | 12.43% | 12.43% | 13.68% | 11.02% | 2.52% |
| Q2 2024 | 12.06% | 12.06% | 13.31% | 11.29% | 1.67% |
| Q3 2024 | 12.53% | 12.53% | 13.79% | 11.60% | 1.61% |
| Q4 2024 | 11.79% | 11.79% | 13.04% | 11.51% | 1.91% |
| Q1 2025 | 12.09% | 12.09% | 13.06% | 11.07% | -0.68% |
| Q2 2025 | 12.34% | 12.34% | 13.41% | 10.64% | 0.65% |
| Q3 2025 | 12.14% | 12.14% | 13.34% | 10.97% | 1.93% |
| Q4 2025 | 13.41% | 13.41% | 14.55% | 10.94% | 1.87% |
| Q1 2026 | 13.77% | 13.77% | 15.00% | 11.35% | 1.29% |
| Q2 2026 | 13.77% | 13.77% | 15.00% | 11.59% | 1.41% |
First Central Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central Bank, 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10637) · FFIEC NIC profile (RSSD 134156)