First State Bank Nebraska: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First State Bank Nebraska of Lincoln, NE against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.52% | 1.34% | +0.18% | 67th above |
| ROAE | 15.35% | 12.34% | +3.01% | 73rd above |
| Net Interest Margin | 3.48% | 3.83% | -0.35% | 34th below |
| Efficiency Ratio | 52.97% | 58.97% | -6.00% | 65th above |
| PPNR / Avg Assets | 1.63% | — | — | 42nd below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.71% | -0.05% | 58th above |
| Cost of Funds | 2.32% | 2.02% | +0.30% | 28th below |
| Net Interest Spread | 3.01% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.87% | -0.63% | 75th top |
| NPA / Total Assets | 0.19% | — | — | 73rd above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 53rd above |
| ACL / Total Loans | 0.97% | — | — | 27th below |
| ACL / NPLs (Coverage) | 407.08% | — | — | 73rd above |
| Texas Ratio | 1.25% | 5.48% | -4.23% | 79th top |
| Provision / NCO | 469.23% | — | — | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.56% | 14.99% | -3.43% | 17th bottom |
| Tier 1 Ratio | 11.56% | 15.02% | -3.46% | 16th bottom |
| Total Capital Ratio | 12.55% | — | — | 16th bottom |
| Leverage Ratio | 9.00% | 11.11% | -2.11% | 11th bottom |
| Equity / Assets | 10.15% | 11.02% | -0.87% | 46th below |
| TCE / Tangible Assets | 8.88% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.71% | 86.99% | +4.72% | 38th below |
| Core Deposit Ratio | 89.05% | 85.57% | +3.48% | 54th above |
| Uninsured Deposit Ratio | 15.63% | 33.19% | -17.56% | 91st top |
| Wholesale Funding Ratio | 2.31% | — | — | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.15% | — | — | 33rd below |
| Loan Growth (Y/Y) | 7.12% | — | — | 58th above |
| Deposit Growth (Y/Y) | 10.56% | — | — | 76th top |
See First State Bank Nebraska's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First State Bank Nebraska, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First State Bank Nebraska profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First State Bank Nebraska peer analysis.