First Central Bank McCook: 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 14.02 percentage points in Q2 2026, from 81.27% to 95.30%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First Central Bank McCook is 123rd of 138 on return on assets, 0.71% as of Q2 2026, below the middle of the field. First Central Bank McCook reported 0.71% on return on assets for Q2 2026, 0.55 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.11% |
| Tier 1 risk-based capital ratio | 13.11% |
| Total risk-based capital ratio | 14.37% |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.80% |
| Non-performing assets ratio | 4.76% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 37.66% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | 28.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 6.29% |
| Net interest margin | 4.18% |
| Efficiency ratio | 75.61% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.30% |
| Core deposits to total deposits | 68.17% |
| Brokered deposits to total deposits | 20.20% |
| Deposits to assets | 86.16% |
| Securities to assets | 11.34% |
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 | 12.01% | 12.01% | 13.27% | 10.24% | 2.84% |
| Q4 2023 | 12.01% | 12.01% | 13.26% | 10.63% | -1.27% |
| Q1 2024 | 13.35% | 13.35% | 14.61% | 11.08% | 1.37% |
| Q2 2024 | 12.34% | 12.34% | 13.59% | 11.08% | -0.98% |
| Q3 2024 | 12.49% | 12.49% | 13.75% | 11.29% | 0.73% |
| Q4 2024 | 11.06% | 11.06% | 12.32% | 9.91% | -3.27% |
| Q1 2025 | 11.93% | 11.93% | 13.14% | 9.73% | -0.71% |
| Q2 2025 | 12.54% | 12.54% | 13.80% | 9.86% | 0.27% |
| Q3 2025 | 12.45% | 12.45% | 13.70% | 10.20% | 0.39% |
| Q4 2025 | 13.69% | 13.69% | 14.94% | 10.74% | 2.33% |
| Q1 2026 | 13.94% | 13.94% | 15.20% | 10.97% | 0.62% |
| Q2 2026 | 13.11% | 13.11% | 14.37% | 11.30% | 0.71% |
First Central Bank McCook vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central Bank McCook, 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 McCook profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34995) · FFIEC NIC profile (RSSD 2726050)