First State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 406.62 percentage points higher than in Q1 2026, at 479.82%. Within Nebraska, First State Bank is 39th of 138 on return on assets, 1.73% as of Q2 2026. First State Bank reported 1.73% on return on assets for Q2 2026, 0.47 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.94% |
| Equity capital to assets | 11.84% |
| Tangible equity to tangible assets | 10.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.48% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | 479.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 14.53% |
| Net interest margin | 3.14% |
| Efficiency ratio | 55.85% |
| Yield on earning assets | 5.35% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.19% |
| Core deposits to total deposits | 74.05% |
| Brokered deposits to total deposits | 19.72% |
| Deposits to assets | 60.81% |
| Securities to assets | 30.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.31% | 1.35% | 2.58% | 0.43% | 0.00% |
| Q4 2023 | 11.81% | 1.65% | 2.78% | 0.31% | 0.00% |
| Q1 2024 | 12.37% | 1.22% | 2.71% | 0.44% | 0.00% |
| Q2 2024 | 13.07% | 1.50% | 2.83% | 0.31% | 0.00% |
| Q3 2024 | 13.06% | 1.42% | 2.74% | 0.34% | 0.00% |
| Q4 2024 | 12.29% | 1.46% | 2.68% | 1.03% | 0.02% |
| Q1 2025 | 12.03% | 1.32% | 2.80% | 1.36% | 0.02% |
| Q2 2025 | 12.72% | 1.39% | 2.86% | 0.63% | 0.00% |
| Q3 2025 | 12.74% | 1.32% | 2.87% | 0.45% | 0.01% |
| Q4 2025 | 12.34% | 1.75% | 3.24% | 0.38% | 0.00% |
| Q1 2026 | 11.77% | 1.56% | 3.08% | 2.24% | 0.00% |
| Q2 2026 | 11.94% | 1.73% | 3.14% | 0.33% | 0.00% |
First State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12244) · FFIEC NIC profile (RSSD 488756)