First Central Bank Mccook
Asset quality shifted last quarter — NPLs fell to 5.29% from 6.43% in the prior period. Operating from Mccook, NE, First Central Bank Mccook serves its local market as an FDIC-insured commercial bank, during the Gramm-Leach-Bliley deregulation period. First Central Bank Mccook's Q1 2026 balance sheet shows $125M in assets funded primarily by $107M in customer deposits. Returns are subdued: 0.62% ROA and 5.66% ROE. Capital is comfortably above regulatory minimums — CET1 ratio of 13.94% sits well above the 7% well-capitalized threshold. Credit metrics show stress — 5.29% NPLs and a 34.29% Texas Ratio above the 100% historical failure threshold. 2 branches make up the footprint.
Headquarters Profile
- Address
- 904 N Highway 83, MCCOOK, NE 69001
- County
- Red Willow
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- January 4, 1999
- Branches
- 2 domestic
- Employees (FTE)
- 20
- FDIC Cert
- 34995
- Fed RSSD
- 2726050
- Parent Holding Company
- CENTRAL BANCSHARES, INC. (RSSD 1050495)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
First Central Bank Mccook rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First Central Bank Mccook
What are First Central Bank Mccook's total assets?
As of the Q1 2026 filing, First Central Bank Mccook reported total assets of $124.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Central Bank Mccook headquartered?
First Central Bank Mccook is headquartered in MCCOOK, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Central Bank Mccook founded?
First Central Bank Mccook was established in 1999, per the FDIC institution directory.
Is First Central Bank Mccook FDIC-insured?
Yes. First Central Bank Mccook is an FDIC-insured commercial bank (FDIC Certificate #34995). 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 Mccook?
First Central Bank Mccook's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Central Bank Mccook's CET1 capital ratio?
First Central Bank Mccook reported a Common Equity Tier 1 (CET1) capital ratio of 13.94% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Central Bank Mccook operate?
First Central Bank Mccook operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Central Bank Mccook's Texas Ratio?
First Central Bank Mccook's Texas Ratio is 34.29% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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