First State Bank (Loomis, NE)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Loomis, NE, established in 1945 (FDIC certificate 16333), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $232.5M, up 7.4% from Q2 2025, the 74th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 13.49% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16333
- Headquarters
- Loomis, NE
- Established
- 1945
- Total assets, Q2 2026
- $232.5M
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 13.49%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104905836
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank call report
- Holding company
- LOOMIS COMPANY
- Asset rank in state
- 74th of 138 in Nebraska
First State Bank runs leaner than most banks of its size. Based in Loomis, Nebraska, it had $232 million in assets at June 30, 2026, up 7.4% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.01% of loans from 0.61%. Its $22 million commercial and industrial book is now fully current, after 2.34% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, First State Bank reported a CET1 capital ratio of 13.49%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First State Bank is the 74th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 2.3% to $232.5M, loans rose 3.5% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by agricultural production loans, at 47.4% of total loans, followed by farmland and other real estate loans at 17.8%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in NE; its Loomis office books 35% of its branch deposits. Judged on its Q2 2026 call report, First State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 211 Commercial St, Loomis, NE 68958
- County
- Phelps
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 22, 1945
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $195.7M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $234.1M
- Average total loans
- $173.0M
- Average interest-bearing deposits
- $142.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 5, 1945
- FDIC Cert
- 16333
- Fed RSSD
- 172859
- Website
- www.fsbloomis.com →
- Parent Holding Company
- LOOMIS COMPANY (RSSD 1058071)
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
From Q3 2023 to Q2 2026, First State Bank's total assets ranged from $206.1M (Q1 2024) to $232.5M (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
$232.5M total assets against $216.5M; $201.4M total liabilities against $189.1M.
$174.5M net loans and leases against $156.9M; $195.7M total deposits against $182.1M.
$38.8M securities against $41.4M; $4.6M cash and balances due against $4.1M.
$3.2M total interest income against $2.8M; $756K total interest expense against $759K.
$2.4M net interest income against $2.1M.
$151K total noninterest income against $140K; $1.1M total noninterest expense against $1.0M.
$65K provision for credit losses against $15K.
$1.1M net income against $946K.
1.96% return on assets against 1.73%; 4.47% net interest margin against 4.11%.
13.49% CET1 capital ratio against 12.97%; 11.76% tier 1 leverage ratio against 10.95%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank rankings
Its closest position to the top of a national ranking is 264 of 3,606, for efficiency ratio; its furthest is 3,281 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q3 2024) to 3.16% (Q1 2026) and its net interest margin ran from 3.54% (Q3 2024) to 6.25% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.49% | 1.96% | 0.01% | 0.06% | 4.47% |
| Q1 2026 | 13.95% | 3.16% | 0.05% | 0.31% | 6.25% |
| Q4 2025 | 13.19% | 1.61% | 0.17% | 1.07% | 4.14% |
| Q3 2025 | 12.73% | 1.64% | 0.14% | 0.94% | 4.16% |
| Q2 2025 | 12.97% | 1.73% | 0.79% | 3.97% | 4.11% |
| Q1 2025 | 12.85% | 1.53% | 0.22% | 1.50% | 3.93% |
| Q4 2024 | 11.86% | 1.22% | 0.28% | 1.99% | 3.55% |
| Q3 2024 | 11.96% | 1.18% | 0.25% | 1.76% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 State Bank (main office) | Loomis , NE | 68958 | $69.1M |
| Bank of Bertrand Branch | Bertrand , NE | 68927 | $56.2M |
| 620 West Main Street Branch | Alma , NE | 68920 | $48.6M |
| Axtell Branch | Axtell , NE | 68924 | $21.8M |
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 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2022 | Structure Change | Acquired Farmers and Merchants Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired Bank of Bertrand Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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 82 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $278K approved, $278K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $232.5 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Loomis, NE, United States.
When was First State Bank founded?
It was established in 1945, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the FDIC.
What is First State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.49% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank's Texas Ratio?
Its Texas Ratio is 0.06% 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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