First State Bank Nebraska
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Data as of · sourced from FFIEC call reports. How we update
First State Bank Nebraska is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 1912 (FDIC certificate 13868), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.13B, up 3.1% from Q2 2025, the 16th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 11.56% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13868
- Headquarters
- Lincoln, NE
- Established
- 1912
- Total assets, Q2 2026
- $1.13B
- Assets vs Q2 2025
- +3.1%
- CET1 ratio, Q2 2026
- 11.56%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 104909531
- Latest call report
- Q2 2026, FFIEC 051 · First State Bank Nebraska call report
- Holding company
- FIRST STATE HOLDING CO.
- Asset rank in state
- 16th of 138 in Nebraska
First State Bank Nebraska, based in Lincoln, Nebraska, reported $1.1 billion in assets at June 30, 2026, up 3.1% from a year earlier. It holds about a fifth of its deposits (16%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 9.00% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Net income for the quarter rose 27% from a year earlier, to $4.4 million. Over the same year, loans grew 7.1% and deposits grew 10.6%.
As of June 30, 2026, First State Bank Nebraska reported a CET1 capital ratio of 11.56%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.25%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, First State Bank Nebraska is the 16th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $1.13B, loans rose 2.8% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 36.1% of total loans, followed by commercial and industrial loans at 14.4%. The FDIC Summary of Deposits lists 18 offices for it, in 16 cities in NE; its Lincoln 2 offices book 32% of its branch deposits. Judged on its Q2 2026 call report, First State Bank Nebraska meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2701 Grainger Pkwy, Lincoln, NE 68516
- County
- Lancaster
- Metro Area
- Lincoln, NE
- 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
- December 12, 1912
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $990.0M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $120K
- Average total assets
- $1.15B
- Average total loans
- $899.9M
- Average interest-bearing deposits
- $900.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 10, 1934
- FDIC Cert
- 13868
- Fed RSSD
- 499453
- SEC CIK
- 1827265 → filed by FIRST STATE HOLDING CO.
- Website
- http://www.1fsb.bank →
- Parent Holding Company
- FIRST STATE HOLDING CO. (RSSD 1056581)
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
Over the 12 quarters to Q2 2026, First State Bank Nebraska's total assets ran between $986.2M (Q3 2023) and $1.13B (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
$1.13B total assets against $1.10B; $1.02B total liabilities against $997.0M.
$899.1M net loans and leases against $839.6M; $990.0M total deposits against $895.5M.
$139.7M securities against $149.6M; $31.6M cash and balances due against $48.0M.
$15.4M total interest income against $14.0M; $6.0M total interest expense against $5.9M.
$9.5M net interest income against $8.0M.
$779K total noninterest income against $690K; $5.5M total noninterest expense against $4.9M.
$244K provision for credit losses against $244K.
$4.4M net income against $3.5M.
1.52% return on assets against 1.30%; 3.48% net interest margin against 3.20%.
11.56% CET1 capital ratio against 11.22%; 9.00% tier 1 leverage ratio against 8.96%.
Inside the full First State Bank Nebraska terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank Nebraska rankings
Its closest position to the top of a national ranking is 926 of 4,196, for total assets; its furthest is 883 of 980, for uninsured deposits.
Banks merged into First State Bank Nebraska
- Community State Bank, effective October 15, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.21% (Q3 2024) to 1.52% (Q2 2026) and its net interest margin ran from 2.91% (Q3 2024) to 3.50% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.56% | 1.52% | 0.24% | 1.25% | 3.48% |
| Q1 2026 | 11.63% | 1.46% | 0.13% | 0.32% | 3.50% |
| Q4 2025 | 11.50% | 1.50% | 0.12% | 0.56% | 3.46% |
| Q3 2025 | 11.41% | 1.49% | 0.12% | 0.68% | 3.35% |
| Q2 2025 | 11.22% | 1.30% | 0.13% | 0.77% | 3.20% |
| Q1 2025 | 11.50% | 1.29% | 0.03% | 0.22% | 3.12% |
| Q4 2024 | 11.12% | 1.37% | 0.03% | 0.30% | 3.10% |
| Q3 2024 | 11.24% | 1.21% | 0.04% | 0.35% | 2.91% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 Nebraska (main office) | Lincoln , NE | 68516 | $267.2M |
| Hickman Branch | Hickman , NE | 68372 | $122.9M |
| Wilber Branch | Wilber , NE | 68465 | $105.1M |
| Plattsmouth Highway Branch | Plattsmouth , NE | 68048 | $95.5M |
| Beatrice Branch | Beatrice , NE | 68310 | $88.5M |
| Old Cheney Branch | Lincoln , NE | 68516 | $50.2M |
| De Witt Branch | De Witt , NE | 68341 | $43.9M |
| Filley Branch | Filley , NE | 68357 | $43.7M |
| Yutan Branch | Yutan , NE | 68073 | $39.1M |
| Waverly Branch | Waverly , NE | 68462 | $27.2M |
| Community State Bank Branch | Colon , NE | 68018 | $19.5M |
| Cedar Bluffs Branch | Cedar Bluffs , NE | 68015 | $19.5M |
| Dorchester Branch | Dorchester , NE | 68343 | $18.1M |
| Cortland Branch | Cortland , NE | 68331 | $18.0M |
| Western Branch | Western , NE | 68464 | $13.8M |
| Nehawka Branch | Nehawka , NE | 68413 | $13.8M |
| Omaha Branch | Omaha , NE | 68106 | $4.0M |
| Plattsmouth Branch | Plattsmouth , NE | 68048 | $1K |
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 |
|---|---|---|---|
| October 15, 2025 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2020 | Structure Change | Acquired Plattsmouth State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2018 | Structure Change | Acquired The Nehawka Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2010 | Structure Change | Acquired De Witt State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 2009 | Structure Change | Acquired Filley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2007 | Structure Change | Acquired Saline State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 13, 2006 | Structure Change | Acquired Bank of Yutan 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 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 3, 2019, Federal Reserve: Civil Money Penalty, $37,000: First State Bank Nebraska, Lincoln, Nebraska
- Period: Most recent institution action September 3, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in NE, rank 18 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 283 applications, 205 loans originated, $56.8M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 17 loans, $8.8M approved, $519K 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 State Bank Nebraska
What are First State Bank Nebraska's total assets?
As of the Q2 2026 filing, First State Bank Nebraska reported total assets of $1.13 billion in its FFIEC call report.
Where is First State Bank Nebraska headquartered?
It is headquartered in Lincoln, NE, United States.
When was First State Bank Nebraska founded?
It was established in 1912, per the FDIC institution directory.
Is First State Bank Nebraska FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13868). 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 Nebraska?
First State Bank Nebraska's primary federal regulator is the Federal Reserve.
What is First State Bank Nebraska's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.56% in its Q2 2026 call report, above regulatory requirements.
How many branches does First State Bank Nebraska operate?
It operates 18 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 Nebraska's Texas Ratio?
Its Texas Ratio is 1.25% 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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