First National Bank of Johnson
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Johnson is an FDIC-insured commercial bank headquartered in Johnson, NE, established in 1906 (FDIC certificate 5422), and it is supervised by the OCC. At Q2 2026 it reported total assets of $95.6M, up 3.5% from Q2 2025, the 105th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5422
- Headquarters
- Johnson, NE
- Established
- 1906
- Total assets, Q2 2026
- $95.6M
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 15.17%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104905881
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Johnson call report
- Holding company
- FIRST NATIONAL JOHNSON BANCSHARES, INC.
- Asset rank in state
- 105th of 138 in Nebraska
First National Bank of Johnson, based in Johnson, Nebraska, reported $96 million in assets at June 30, 2026, up 3.5% from a year earlier. It keeps 2.67 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it 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 1.9%).
Earnings jumped: net income for the quarter was $136,000, 116% above the same quarter a year earlier. Over the same year, loans grew 8.1% and deposits grew 3.8%. Profitability lags: it returns 3.6% a year on shareholders' equity, about half the median of 8.6% for banks its size.
As of June 30, 2026, First National Bank of Johnson reported a return on assets of 0.56%, 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.
By total assets at Q2 2026, First National Bank of Johnson is the 105th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets fell 1.0% to $95.6M, loans fell 1.7% and deposits fell 1.4%. Farmland and other real estate loans made up 32.4% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.7%. Its 2 offices in the FDIC Summary of Deposits are in Johnson, NE and Auburn, NE; its Johnson office books 70% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank of Johnson meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 125 Main St, Johnson, NE 68378
- County
- Nemaha
- 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
- —
- Call Report form
- FFIEC 051
- Established
- May 6, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $78.3M
- Allowance for credit losses
- $233K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $96.6M
- Average total loans
- $30.8M
- Average interest-bearing deposits
- $61.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5422
- Fed RSSD
- 563457
- Website
- www.fnbjohnson.com →
- Parent Holding Company
- FIRST NATIONAL JOHNSON BANCSHARES, INC. (RSSD 1945340)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First National Bank of Johnson reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Johnson's total assets moved between a low of $90.4M (Q4 2024) and a high of $96.6M (Q1 2026) from Q3 2023 to Q2 2026, 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
$95.6M total assets against $92.4M; $80.6M total liabilities against $77.9M.
$30.3M net loans and leases against $28.1M; $78.3M total deposits against $75.5M.
$51.3M securities against $49.4M; $8.1M cash and balances due against $9.5M.
$791K total interest income against $612K; $200K total interest expense against $201K.
$591K net interest income against $411K.
$67K total noninterest income against $67K; $522K total noninterest expense against $415K.
No provision recorded in the last 12 quarters.
$136K net income against $63K.
0.56% return on assets against 0.27%; 2.67% net interest margin against 1.91%.
15.17% tier 1 leverage ratio against 15.41%.
Inside the full First National Bank of Johnson terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.20% (Q3 2024) to 0.56% (Q2 2026) and its net interest margin ran from 1.48% (Q3 2024) to 2.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 0.56% | 0.00% | 0.00% | 2.67% |
| Q1 2026 | 15.18% | 0.46% | 0.00% | 0.00% | 2.42% |
| Q4 2025 | 15.48% | 0.12% | 0.00% | 0.00% | 2.30% |
| Q3 2025 | 15.64% | 0.33% | 0.00% | 0.00% | 1.97% |
| Q2 2025 | 15.41% | 0.27% | 0.00% | 0.00% | 1.91% |
| Q1 2025 | 15.47% | 0.17% | 0.00% | 0.00% | 1.94% |
| Q4 2024 | 15.53% | 0.29% | 0.00% | 0.00% | 1.52% |
| Q3 2024 | 16.19% | -0.20% | 0.00% | 0.00% | 1.48% |
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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 |
|---|---|---|---|
| The First National Bank of Johnson | Johnson , NE | 68378 | $55.0M |
| Auburn Branch | Auburn , NE | 68305 | $23.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 117 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 of Johnson
What are First National Bank of Johnson's total assets?
As of the Q2 2026 filing, First National Bank of Johnson reported total assets of $95.6 million in its FFIEC call report.
Where is First National Bank of Johnson headquartered?
It is headquartered in Johnson, NE, United States.
When was First National Bank of Johnson founded?
It was established in 1906, per the FDIC institution directory.
Is First National Bank of Johnson FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5422). 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 of Johnson?
First National Bank of Johnson's primary federal regulator is the OCC.
How many branches does First National Bank of Johnson 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 National Bank of Johnson'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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