First National Bank in Ord
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Data as of · sourced from FFIEC call reports. How we update
First National Bank in Ord is an FDIC-insured commercial bank headquartered in Ord, NE, established in 1882 (FDIC certificate 5460), and it is supervised by the OCC. At Q2 2026 it reported total assets of $165.6M, up 5.5% from Q2 2025, the 87th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 22.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5460
- Headquarters
- Ord, NE
- Established
- 1882
- Total assets, Q2 2026
- $165.6M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 22.83%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104101465
- Latest call report
- Q2 2026, FFIEC 041 · First National Bank in Ord call report
- Holding company
- BBJ INCORPORATED
- Asset rank in state
- 87th of 138 in Nebraska
First National Bank in Ord, based in Ord, Nebraska, reported $166 million in assets at June 30, 2026, up 5.5% from a year earlier. It holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
As of June 30, 2026, First National Bank in Ord reported a CET1 capital ratio of 22.83%, a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
First National Bank in Ord ranks as the 87th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $165.6M, loans rose 4.4% and deposits fell 0.3%. Farmland and other real estate loans made up 26.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 24.7%. Its 3 offices in the FDIC Summary of Deposits are in Ord, NE, Sargent, NE and Greeley, NE; its Ord office books 72% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank in Ord meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1411 M St, Ord, NE 68862
- County
- Valley
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1882
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $146.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $169.0M
- Average total loans
- $85.2M
- Average interest-bearing deposits
- $107.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5460
- Fed RSSD
- 850054
- Website
- www.fnbord.com →
- Parent Holding Company
- BBJ INCORPORATED (RSSD 1052846)
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 National Bank in Ord's total assets ran between $145.0M (Q3 2023) and $165.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$165.6M total assets against $156.9M; $146.5M total liabilities against $139.4M.
$85.8M net loans and leases against $80.0M; $146.1M total deposits against $139.1M.
$46.9M securities against $51.8M; $30.3M cash and balances due against $22.7M.
$2.1M total interest income against $2.1M; $469K total interest expense against $506K.
$1.6M net interest income against $1.5M.
$104K total noninterest income against $49K; $973K total noninterest expense against $875K.
$9K provision for credit losses against $9K.
$698K net income against $696K.
1.65% return on assets against 1.74%; 3.87% net interest margin against 3.96%.
22.83% CET1 capital ratio against 22.11%; 11.35% tier 1 leverage ratio against 10.97%.
Inside the full First National Bank in Ord terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank in Ord rankings
Its closest position to the top of a national ranking is 223 of 2,134, for CET1 ratio; its furthest is 3,558 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q4 2025) to 2.40% (Q1 2025) and its net interest margin ran from 3.80% (Q1 2026) to 4.54% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.83% | 1.65% | 0.00% | 0.00% | 3.87% |
| Q1 2026 | 22.92% | 2.16% | 0.31% | 1.29% | 3.80% |
| Q4 2025 | 22.73% | 0.83% | 0.08% | 0.32% | 3.95% |
| Q3 2025 | 22.30% | 1.67% | 0.00% | 0.00% | 4.07% |
| Q2 2025 | 22.11% | 1.74% | 0.00% | 0.00% | 3.96% |
| Q1 2025 | 21.38% | 2.40% | 0.00% | 0.00% | 4.07% |
| Q4 2024 | 18.54% | 0.88% | 0.03% | 0.13% | 4.25% |
| Q3 2024 | 21.34% | 2.22% | 0.00% | 0.00% | 4.54% |
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 |
|---|---|---|---|
| First National Bank in Ord (main office) | Ord , NE | 68862 | $105.4M |
| Sargent Branch | Sargent , NE | 68874 | $25.3M |
| Greeley Cnb Community Branch | Greeley , NE | 68842 | $15.5M |
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 |
|---|---|---|---|
| December 6, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 6, 2012 | Structure Change | Acquired CNB Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 1985 | Structure Change | Acquired Farmers State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 19, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 95 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $240K approved, $240K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (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 National Bank in Ord
What are First National Bank in Ord's total assets?
As of the Q2 2026 filing, First National Bank in Ord reported total assets of $165.6 million in its FFIEC call report.
Where is First National Bank in Ord headquartered?
It is headquartered in Ord, NE, United States.
When was First National Bank in Ord founded?
It was established in 1882, per the FDIC institution directory.
Is First National Bank in Ord FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5460). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank in Ord?
First National Bank in Ord's primary federal regulator is the OCC.
What is First National Bank in Ord's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank in Ord 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 National Bank in Ord's Texas Ratio?
Its Texas Ratio is 0.00% 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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