First Northeast Bank of Nebraska
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Data as of · sourced from FFIEC call reports. How we update
First Northeast Bank of Nebraska is an FDIC-insured commercial bank headquartered in Lyons, NE, established in 1902 (FDIC certificate 5432), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $472.6M, down 3.0% from Q2 2025, the 45th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.51% 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
- 5432
- Headquarters
- Lyons, NE
- Established
- 1902
- Total assets, Q2 2026
- $472.6M
- Assets vs Q2 2025
- -3.0%
- Tier 1 leverage ratio, Q2 2026
- 13.51%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 104902949
- Latest call report
- Q2 2026, FFIEC 051 · First Northeast Bank of Nebraska Q3 2026 call report, filed October 6, 2026 (preliminary)
- Holding company
- FARM AND HOME INSURANCE AGENCY, INC.
- Asset rank in state
- 45th of 138 in Nebraska
First Northeast Bank of Nebraska, based in Lyons, Nebraska, reported $473 million in assets at June 30, 2026, down 3.0% from a year earlier. It keeps 2.99 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also shrank its loan book 5.0% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Funding is the softer spot: it pays an average of 2.34% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First Northeast Bank of Nebraska reported a return on assets of 1.34%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.58%. The figures come from its call report filed with the FFIEC.
First Northeast Bank of Nebraska ranks as the 45th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 5.7% to $472.6M, loans fell 2.8% and deposits fell 0.5%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 38.3% of total loans, ahead of agricultural production loans at 21.0%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in NE; its Lyons office books 28% of its branch deposits. On its Q2 2026 call report, First Northeast Bank of Nebraska meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 440 Main St, Lyons, NE 68038
- County
- Burt
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1902
- Former names
- First National Bank Northeast (1993-2016)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $361.0M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $492.9M
- Average total loans
- $186.1M
- Average interest-bearing deposits
- $290.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5432
- Fed RSSD
- 208655
- Website
- http://www.fnb-ne.com →
- Parent Holding Company
- FARM AND HOME INSURANCE AGENCY, INC. (RSSD 1053357)
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 Northeast Bank of Nebraska reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Northeast Bank of Nebraska's total assets ranged from $422.3M (Q3 2023) to $501.2M (Q1 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
$472.6M total assets against $487.4M; $407.2M total liabilities against $427.2M.
$176.7M net loans and leases against $186.2M; $361.0M total deposits against $377.2M.
$277.7M securities against $262.6M; $5.2M cash and balances due against $27.3M.
$6.1M total interest income against $6.4M; $2.5M total interest expense against $2.7M.
$3.6M net interest income against $3.6M.
$141K total noninterest income against $143K; $1.8M total noninterest expense against $1.7M.
No provision recorded in the last 12 quarters.
$1.7M net income against $1.7M.
1.34% return on assets against 1.42%; 2.99% net interest margin against 3.10%.
13.51% tier 1 leverage ratio against 12.88%.
Inside the full First Northeast Bank of Nebraska terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Northeast Bank of Nebraska rankings
Its closest position to the top of a national ranking is 560 of 3,606, for efficiency ratio; its furthest is 2,913 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.25% (Q1 2025) to 1.78% (Q3 2024) and its net interest margin ran from 2.93% (Q1 2026) to 3.33% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.51% | 1.34% | 0.22% | 0.58% | 2.99% |
| Q1 2026 | 13.20% | 1.26% | 0.23% | 0.63% | 2.93% |
| Q4 2025 | 13.40% | 1.41% | 0.21% | 0.62% | 3.06% |
| Q3 2025 | 13.11% | 1.63% | 0.23% | 0.67% | 3.13% |
| Q2 2025 | 12.88% | 1.42% | 0.24% | 0.70% | 3.10% |
| Q1 2025 | 12.56% | 1.25% | 0.23% | 0.73% | 2.94% |
| Q4 2024 | 13.00% | 1.64% | 0.21% | 0.71% | 3.18% |
| Q3 2024 | 12.74% | 1.78% | 0.22% | 0.74% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 Northeast Bank of Nebraska (main office) | Lyons , NE | 68038 | $100.3M |
| Hooper Branch | Hooper , NE | 68031 | $71.5M |
| Tekamah Branch | Tekamah , NE | 68061 | $54.5M |
| Oakland Branch | Oakland , NE | 68045 | $46.5M |
| Ceresco Office Branch | Ceresco , NE | 68017 | $46.2M |
| 2300 Laverna Branch | Fremont , NE | 68025 | $25.2M |
| Uehling Branch | Uehling , NE | 68063 | $16.1M |
| Hartington Branch | Hartington , NE | 68739 | $605K |
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 |
|---|---|---|---|
| May 1, 1999 | Structure Change | Acquired The Farmers and Merchants National Bank of Oakland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1994 | Structure Change | Acquired The First National Bank of Hooper Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 1986 | Structure Change | Acquired Uehling State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1986 | 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
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action April 22, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in NE, rank 52 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.5M approved, $2.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 Northeast Bank of Nebraska
What are First Northeast Bank of Nebraska's total assets?
As of the Q2 2026 filing, First Northeast Bank of Nebraska reported total assets of $472.6 million in its FFIEC call report.
Where is First Northeast Bank of Nebraska headquartered?
It is headquartered in Lyons, NE, United States.
When was First Northeast Bank of Nebraska founded?
It was established in 1902, per the FDIC institution directory.
Is First Northeast Bank of Nebraska FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Northeast Bank of Nebraska?
First Northeast Bank of Nebraska's primary federal regulator is the Federal Reserve.
How many branches does First Northeast Bank of Nebraska operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Northeast Bank of Nebraska's Texas Ratio?
Its Texas Ratio is 0.58% 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.
What was First Northeast Bank of Nebraska previously called?
The charter now named First Northeast Bank of Nebraska has also operated as First National Bank Northeast (1993-2016), per FDIC structure-change records.
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