First Nebraska Bank
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Data as of · sourced from FFIEC call reports. How we update
First Nebraska Bank is an FDIC-insured commercial bank headquartered in Valley, NE, established in 1934 (FDIC certificate 12248), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $371.4M, up 3.6% from Q2 2025, the 54th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.32% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12248
- Headquarters
- Valley, NE
- Established
- 1934
- Total assets, Q2 2026
- $371.4M
- Assets vs Q2 2025
- +3.6%
- Tier 1 leverage ratio, Q2 2026
- 10.32%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 104908956
- Latest call report
- Q2 2026, FFIEC 051 · First Nebraska Bank call report
- Holding company
- VALLEY BANK SHARES, INC.
- Asset rank in state
- 54th of 138 in Nebraska
First Nebraska Bank, based in Valley, Nebraska, reported $371 million in assets at June 30, 2026, up 3.6% from a year earlier. It grew its loan book 13.0% over the year, 2.4 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.56 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 26% from a year earlier, to $1.5 million. Over the same year, loans grew 13.0% and deposits grew 3.3%.
As of June 30, 2026, First Nebraska Bank reported a return on assets of 1.61%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Nebraska Bank is the 54th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $371.4M, loans rose 4.5% and deposits rose 2.8%. 1-4 family residential loans made up 26.2% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 14.8%. The FDIC Summary of Deposits lists 15 offices for it, in 11 cities in NE; its Columbus 2 offices book 25% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Nebraska Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 330 N Spruce St, Valley, NE 68064
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- 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
- January 1, 1934
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $329.9M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- $55K
- Average total assets
- $369.6M
- Average total loans
- $249.4M
- Average interest-bearing deposits
- $272.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12248
- Fed RSSD
- 576952
- Website
- www.firstnebraska.bank →
- Parent Holding Company
- VALLEY BANK SHARES, INC. (RSSD 1057430)
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 Nebraska Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Nebraska Bank's total assets moved between a low of $337.6M (Q4 2024) and a high of $371.4M (Q2 2026) from Q3 2023 to 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
$371.4M total assets against $358.5M; $336.9M total liabilities against $327.1M.
$250.8M net loans and leases against $221.7M; $329.9M total deposits against $319.3M.
$70.2M securities against $75.3M; $26.6M cash and balances due against $38.5M.
$5.2M total interest income against $4.8M; $1.3M total interest expense against $1.4M.
$3.9M net interest income against $3.5M.
$470K total noninterest income against $524K; $2.8M total noninterest expense against $2.7M.
$75K provision for credit losses against $75K.
$1.5M net income against $1.2M.
1.61% return on assets against 1.30%; 4.56% net interest margin against 4.12%.
10.32% tier 1 leverage ratio against 10.14%.
Inside the full First Nebraska Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Nebraska Bank rankings
Its closest position to the top of a national ranking is 1,080 of 3,611, for ROA; its furthest is 2,441 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q4 2024) to 1.61% (Q2 2026) and its net interest margin ran from 4.12% (Q2 2025) to 4.56% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.61% | 0.23% | 1.56% | 4.56% |
| Q1 2026 | 10.35% | 1.19% | 0.07% | 0.45% | 4.31% |
| Q4 2025 | 10.52% | 1.28% | 0.06% | 0.37% | 4.40% |
| Q3 2025 | 10.37% | 1.43% | 0.20% | 1.24% | 4.20% |
| Q2 2025 | 10.14% | 1.30% | 0.41% | 2.65% | 4.12% |
| Q1 2025 | 10.25% | 1.15% | 0.29% | 1.92% | 4.15% |
| Q4 2024 | 10.46% | 0.93% | 0.21% | 1.46% | 4.34% |
| Q3 2024 | 10.27% | 1.33% | 0.30% | 1.95% | 4.38% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Columbus Branch | Columbus , NE | 68601 | $82.4M |
| First Nebraska Bank (main office) | Valley , NE | 68064 | $63.0M |
| Brainard Branch | Brainard , NE | 68626 | $41.7M |
| Emerson Branch | Emerson , NE | 68733 | $27.2M |
| Weeping Water Branch | Weeping Water , NE | 68463 | $26.8M |
| Bennet Branch | Bennet , NE | 68317 | $21.6M |
| Stanton Branch | Stanton , NE | 68779 | $19.3M |
| Arcadia Branch | Arcadia , NE | 68815 | $15.7M |
| Decatur Branch | Decatur , NE | 68020 | $14.5M |
| Nebraska City Branch | Nebraska City , NE | 68410 | $13.5M |
| Elkhorn Branch | Elkhorn , NE | 68022 | $4.2M |
| Bennet Mobile Branch | Bennet , NE | 68317 | $0 |
| Emerson Mobile Branch | Emerson , NE | 68733 | $0 |
| Valley Mobile Branch | Valley , NE | 68064 | $0 |
| Administration Branch | Columbus , NE | 68601 | $0 |
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 |
|---|---|---|---|
| August 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2012 | Structure Change | Acquired Heartland Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1989 | Structure Change | Acquired First Nebraska Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1988 | Structure Change | Acquired First Nebraska Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- September 13, 2017, Federal Reserve: Civil Money Penalty, $55,500: First Nebraska Bank, Valley, Nebraska
- Period: Most recent institution action September 13, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NE, rank 58 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 120 applications, 87 loans originated, $24.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K 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
- 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 Nebraska Bank
What are First Nebraska Bank's total assets?
As of the Q2 2026 filing, First Nebraska Bank reported total assets of $371.4 million in its FFIEC call report.
Where is First Nebraska Bank headquartered?
It is headquartered in Valley, NE, United States.
When was First Nebraska Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First Nebraska Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Nebraska Bank?
First Nebraska Bank's primary federal regulator is the Federal Reserve.
How many branches does First Nebraska Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Nebraska Bank's Texas Ratio?
Its Texas Ratio is 1.56% 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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