FirstBank of Nebraska
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Data as of · sourced from FFIEC call reports. How we update
FirstBank of Nebraska is an FDIC-insured commercial bank headquartered in Wahoo, NE, established in 1882 (FDIC certificate 5486), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $498.1M, up 8.1% from Q2 2025, the 44th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5486
- Headquarters
- Wahoo, NE
- Established
- 1882
- Total assets, Q2 2026
- $498.1M
- Assets vs Q2 2025
- +8.1%
- Tier 1 leverage ratio, Q2 2026
- 11.19%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104901238
- Latest call report
- Q2 2026, FFIEC 051 · FirstBank of Nebraska call report
- Holding company
- BANK MANAGEMENT, INC.
- Asset rank in state
- 44th of 138 in Nebraska
Problem loans are rising at FirstBank of Nebraska. The Wahoo, Nebraska bank had $498 million in assets at June 30, 2026, up 8.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.89% of loans from 0.41% a year earlier. It returns 22.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 23% from a year earlier, to $2.4 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.7 million equal 18% of Tier 1 capital, down from 34% a year earlier. Its margin is thin by comparison: it keeps 3.30 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, FirstBank of Nebraska reported a return on assets of 1.98%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 4.34%. The figures come from its call report filed with the FFIEC.
FirstBank of Nebraska ranks as the 44th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.9% to $498.1M, loans rose 2.5% and deposits rose 3.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 32.6% of total loans, ahead of 1-4 family residential loans at 22.0%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in NE; its Wahoo office books 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, FirstBank of Nebraska meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E 5th St, Wahoo, NE 68066
- County
- Saunders
- Metro Area
- Omaha, NE-IA
- 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
- July 15, 1882
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $390.1M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $491.5M
- Average total loans
- $234.8M
- Average interest-bearing deposits
- $318.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5486
- Fed RSSD
- 540056
- Website
- www.firstbankne.com →
- Parent Holding Company
- BANK MANAGEMENT, INC. (RSSD 1020854)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, FirstBank of Nebraska reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
FirstBank of Nebraska's total assets moved between a low of $411.7M (Q3 2023) and a high of $498.1M (Q2 2026) from Q3 2023 to 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
$498.1M total assets against $460.6M; $451.9M total liabilities against $425.5M.
$233.7M net loans and leases against $222.4M; $390.1M total deposits against $361.8M.
$224.3M securities against $217.8M; $25.0M cash and balances due against $5.0M.
$6.2M total interest income against $6.0M; $2.6M total interest expense against $2.7M.
$3.6M net interest income against $3.2M.
$333K total noninterest income against $295K; $1.5M total noninterest expense against $1.5M.
$0 provision for credit losses against $4K.
$2.4M net income against $2.0M.
1.98% return on assets against 1.66%; 3.30% net interest margin against 3.12%.
11.19% tier 1 leverage ratio against 10.88%.
Inside the full FirstBank of Nebraska terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirstBank of Nebraska rankings
Its closest position to the top of a national ranking is 88 of 3,606, for efficiency ratio; its furthest is 1,785 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.25% (Q4 2024) to 1.98% (Q2 2026) and its net interest margin ran from 2.50% (Q4 2024) to 3.30% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.19% | 1.98% | 0.89% | 4.34% | 3.30% |
| Q1 2026 | 10.95% | 1.68% | 1.30% | 6.93% | 3.17% |
| Q4 2025 | 11.51% | 1.63% | 0.40% | 1.88% | 3.14% |
| Q3 2025 | 11.11% | 1.63% | 0.43% | 2.27% | 3.00% |
| Q2 2025 | 10.88% | 1.66% | 0.41% | 2.47% | 3.12% |
| Q1 2025 | 11.01% | 1.53% | 0.30% | 1.84% | 2.90% |
| Q4 2024 | 10.23% | 1.25% | 0.08% | 0.48% | 2.50% |
| Q3 2024 | 10.81% | 1.31% | 0.11% | 0.56% | 2.71% |
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 |
|---|---|---|---|
| FirstBank of Nebraska (main office) | Wahoo , NE | 68066 | $205.2M |
| Syracuse Branch | Syracuse , NE | 68446 | $128.4M |
| Sterling Branch | Sterling , NE | 68443 | $39.2M |
| Burchard Branch | Burchard , NE | 68323 | $17.3M |
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 |
|---|---|---|---|
| August 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1992 | Structure Change | Acquired Bank of Sterling 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- May 17, 2013, OCC: Civil Money Penalty (CMP): First National Bank of Wahoo
- August 29, 2011, OCC: Formal Agreement: First National Bank of Wahoo
- Period: Most recent institution action May 17, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in NE, rank 48 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 130 applications, 123 loans originated, $24.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $175K approved, $88K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 FirstBank of Nebraska
What are FirstBank of Nebraska's total assets?
As of the Q2 2026 filing, FirstBank of Nebraska reported total assets of $498.1 million in its FFIEC call report.
Where is FirstBank of Nebraska headquartered?
It is headquartered in Wahoo, NE, United States.
When was FirstBank of Nebraska founded?
It was established in 1882, per the FDIC institution directory.
Is FirstBank of Nebraska FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FirstBank of Nebraska?
FirstBank of Nebraska's primary federal regulator is the Federal Reserve.
How many branches does FirstBank of Nebraska 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 FirstBank of Nebraska's Texas Ratio?
Its Texas Ratio is 4.34% 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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