First State Bank Nebraska: 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.
Reserve coverage of non-performing loans dropped 320.50 percentage points in Q2 2026, from 727.57% to 407.08%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, First State Bank Nebraska is 55th of 138 on return on assets, 1.52% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. First State Bank Nebraska sits 0.25 points higher, at 1.52% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.56% |
| Tier 1 risk-based capital ratio | 11.56% |
| Total risk-based capital ratio | 12.55% |
| Tier 1 leverage ratio | 9.00% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 8.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.25% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 407.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 15.35% |
| Net interest margin | 3.48% |
| Efficiency ratio | 52.97% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.71% |
| Core deposits to total deposits | 89.05% |
| Brokered deposits to total deposits | 3.04% |
| Deposits to assets | 87.23% |
| Securities to assets | 12.31% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.04% | 12.04% | 13.06% | 9.00% | 0.91% |
| Q4 2023 | 11.81% | 11.81% | 12.77% | 8.99% | 0.79% |
| Q1 2024 | 11.63% | 11.63% | 12.60% | 8.97% | 0.83% |
| Q2 2024 | 11.49% | 11.49% | 12.46% | 8.80% | 0.92% |
| Q3 2024 | 11.24% | 11.24% | 12.19% | 8.78% | 1.21% |
| Q4 2024 | 11.12% | 11.12% | 12.06% | 8.85% | 1.37% |
| Q1 2025 | 11.50% | 11.50% | 12.48% | 9.01% | 1.29% |
| Q2 2025 | 11.22% | 11.22% | 12.19% | 8.96% | 1.30% |
| Q3 2025 | 11.41% | 11.41% | 12.39% | 8.97% | 1.49% |
| Q4 2025 | 11.50% | 11.50% | 12.47% | 9.14% | 1.50% |
| Q1 2026 | 11.63% | 11.63% | 12.63% | 9.19% | 1.46% |
| Q2 2026 | 11.56% | 11.56% | 12.55% | 9.00% | 1.52% |
First State Bank Nebraska vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Nebraska, 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 Nebraska profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13868) · FFIEC NIC profile (RSSD 499453)