First Central Bank McCook
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Data as of · sourced from FFIEC call reports. How we update
First Central Bank McCook is an FDIC-insured commercial bank headquartered in McCook, NE, established in 1999 (FDIC certificate 34995), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $122.8M, down 2.8% from Q2 2025, the 98th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 13.11% 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
- 34995
- Headquarters
- McCook, NE
- Established
- 1999
- Total assets, Q2 2026
- $122.8M
- Assets vs Q2 2025
- -2.8%
- CET1 ratio, Q2 2026
- 13.11%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104113990
- Latest call report
- Q2 2026, FFIEC 051 · First Central Bank McCook call report
- Holding company
- CENTRAL BANCSHARES, INC.
- Asset rank in state
- 98th of 138 in Nebraska
First Central Bank McCook, based in Mccook, Nebraska, reported $123 million in assets at June 30, 2026, down 2.8% from a year earlier. It carries problem assets equal to 37.3% of the capital and reserves that would absorb them, 14.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 6.3% a year on shareholders' equity, about half the median of 12.5% for banks its size.
Earnings jumped: net income for the quarter was $217,000, 149% above the same quarter a year earlier. Over the same year, loans grew 11.5% and deposits shrank 0.6%. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, First Central Bank McCook reported a CET1 capital ratio of 13.11%, a return on assets of 0.71%, a nonperforming-loan ratio of 5.80% and a Texas ratio of 37.31%. The figures come from its call report filed with the FFIEC.
First Central Bank McCook ranks as the 98th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.7% to $122.8M, loans rose 16.3% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 29.2% of total loans, followed by farmland and other real estate loans at 26.8%. The FDIC Summary of Deposits lists 2 offices for it, in Mccook, NE and Curtis, NE; its Mccook office books 91% of its branch deposits. On its Q2 2026 call report, First Central Bank McCook meets every capital ratio test for well capitalized.
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
- 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
- January 4, 1999
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $105.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $122.9M
- Average total loans
- $95.0M
- Average interest-bearing deposits
- $93.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 4, 1999
- FDIC Cert
- 34995
- Fed RSSD
- 2726050
- 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 McCook's total assets ran between $122.4M (Q3 2025) and $130.2M (Q4 2024), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$122.8M total assets against $126.3M; $108.9M total liabilities against $113.7M.
$99.1M net loans and leases against $89.0M; $105.8M total deposits against $106.4M.
$13.9M securities against $14.4M; $6.6M cash and balances due against $19.2M.
$1.9M total interest income against $2.0M; $664K total interest expense against $764K.
$1.2M net interest income against $1.2M.
$42K total noninterest income against $47K; $984K total noninterest expense against $932K.
$30K provision for credit losses against $306K.
$217K net income against $87K.
0.71% return on assets against 0.27%; 4.18% net interest margin against 3.88%.
13.11% CET1 capital ratio against 12.54%; 11.30% tier 1 leverage ratio against 9.86%.
Inside the full First Central Bank McCook 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 McCook rankings
Its closest position to the top of a national ranking is 37 of 3,640, for Texas Ratio; its furthest is 3,081 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.27% (Q4 2024) to 2.33% (Q4 2025) and its net interest margin ran from 3.58% (Q1 2025) to 4.55% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.11% | 0.71% | 5.80% | 37.31% | 4.18% |
| Q1 2026 | 13.94% | 0.62% | 6.09% | 33.91% | 3.75% |
| Q4 2025 | 13.69% | 2.33% | 6.43% | 37.21% | 4.55% |
| Q3 2025 | 12.45% | 0.39% | 8.31% | 51.60% | 3.82% |
| Q2 2025 | 12.54% | 0.27% | 6.43% | 43.84% | 3.88% |
| Q1 2025 | 11.93% | -0.71% | 6.66% | 43.77% | 3.58% |
| Q4 2024 | 11.06% | -3.27% | 5.88% | 42.63% | 4.38% |
| Q3 2024 | 12.49% | 0.73% | 7.04% | 63.77% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Central Bank McCook (main office) | Mccook , NE | 69001 | $95.9M |
| Curtis Branch | Curtis , NE | 69025 | $9.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 1, 2003, OCC: Formal Agreement: First Central Bank McCook, National Association
- Period: Most recent institution action December 1, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in NE, rank 110 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $510K approved, $127K 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
- 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 McCook
What are First Central Bank McCook's total assets?
As of the Q2 2026 filing, First Central Bank McCook reported total assets of $122.8 million in its FFIEC call report.
Where is First Central Bank McCook headquartered?
It is headquartered in McCook, NE, United States.
When was First Central Bank McCook founded?
It was established in 1999, per the FDIC institution directory.
Is First Central Bank McCook FDIC-insured?
Yes. It 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.
What is First Central Bank McCook's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.11% 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 McCook operate?
It operates 2 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 McCook's Texas Ratio?
Its Texas Ratio is 37.31% 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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