Firstier Bank
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Data as of · sourced from FFIEC call reports. How we update
Firstier Bank is an FDIC-insured commercial bank headquartered in Kimball, NE, established in 1955 (FDIC certificate 17478), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.05B, up 0.1% from Q2 2025, the 22nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 13.34% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17478
- Headquarters
- Kimball, NE
- Established
- 1955
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 13.34%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 104113880
- Holding company
- FIRSTIER BANCORP
- Asset rank in state
- 22nd of 138 in Nebraska
Problem loans are rising at Firstier Bank. Based in Kimball, Nebraska, it had $1.0 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.51% of loans from 3.51% a year earlier. It pays an average of 3.04% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 45.3% of the capital and reserves that would absorb them, 12.7 times the median of 3.6% for banks its size.
Net income for the quarter slipped 29% from a year earlier, to $2.1 million. Over the same year, loans grew 2.0% and deposits shrank 1.2%. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Firstier Bank reported a CET1 capital ratio of 13.34%, a return on assets of 0.77%, a nonperforming-loan ratio of 4.51% and a Texas ratio of 45.31%. The figures come from its call report filed with the FFIEC.
Firstier Bank ranks as the 22nd largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 6.0% to $1.05B, loans rose 2.7% and deposits fell 7.0%. Construction and land development loans made up 25.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.0%. The FDIC Summary of Deposits lists 12 offices for it, in 11 cities across 3 states; its Kimball office books 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Firstier Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 115 S Walnut St, Kimball, NE 69145
- County
- Kimball
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 15, 1955
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 147
- Domestic deposits
- $883.2M
- Allowance for credit losses
- $15.1M
- Net charge-offs (YTD)
- -$31K
- Average total assets
- $1.09B
- Average total loans
- $799.9M
- Average interest-bearing deposits
- $817.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 15, 1955
- FDIC Cert
- 17478
- Fed RSSD
- 536554
- Website
- www.firstierbanks.com →
- Parent Holding Company
- FIRSTIER BANCORP (RSSD 3391147)
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, Firstier Bank's total assets ran between $912.6M (Q4 2024) and $1.11B (Q1 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.05B total assets against $1.05B; $925.4M total liabilities against $922.9M.
$801.8M net loans and leases against $788.0M; $883.2M total deposits against $894.2M.
$95.5M securities against $49.8M; $94.2M cash and balances due against $180.6M.
$16.5M total interest income against $17.3M; $7.2M total interest expense against $7.6M.
$9.2M net interest income against $9.7M.
$648K total noninterest income against $303K; $7.5M total noninterest expense against $6.2M.
$319K provision for credit losses against $947K.
$2.1M net income against $2.9M.
0.77% return on assets against 1.15%; 3.58% net interest margin against 3.91%.
13.34% CET1 capital ratio against 13.53%; 11.43% tier 1 leverage ratio against 12.21%.
Inside the full Firstier Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Firstier Bank rankings
Its closest position to the top of a national ranking is 17 of 3,640, for Texas Ratio; its furthest is 3,063 of 3,606, for efficiency ratio.
Metric pages for Firstier Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.70% (Q4 2025) to 1.82% (Q4 2024) and its net interest margin ran from 3.30% (Q1 2026) to 4.29% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.34% | 0.77% | 4.51% | 45.31% | 3.58% |
| Q1 2026 | 13.14% | 0.75% | 6.81% | 58.70% | 3.30% |
| Q4 2025 | 12.85% | -0.70% | 4.73% | 49.62% | 3.57% |
| Q3 2025 | 13.32% | -0.27% | 7.84% | 48.86% | 3.70% |
| Q2 2025 | 13.53% | 1.15% | 3.51% | 23.48% | 3.91% |
| Q1 2025 | 14.51% | 1.33% | 4.10% | 24.75% | 3.91% |
| Q4 2024 | 14.42% | 1.82% | 4.21% | 24.14% | 4.29% |
| Q3 2024 | 14.18% | 1.75% | 3.29% | 19.11% | 4.00% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Firstier Bank (main office) | Kimball , NE | 69145 | $192.5M |
| Firstier Bank Branch | Cheyenne , WY | 82009 | $125.9M |
| Greeley Branch | Greeley , CO | 80634 | $90.5M |
| Firstier Bank Branch | Kearney , NE | 68847 | $89.4M |
| Castle Rock Branch | Castle Rock , CO | 80104 | $75.8M |
| Firstier Bank Branch | Upton , WY | 82730 | $66.5M |
| Downtown Branch Cheyenne - Firstier Bank | Cheyenne , WY | 82001 | $53.9M |
| Arista Branch | Broomfield , CO | 80021 | $53.6M |
| Firstier Bank Branch | Elm Creek , NE | 68836 | $53.0M |
| Firstier Bank Branch | Holdrege , NE | 68949 | $41.5M |
| Firstier Bank - Boulder, Colorado Branch | Boulder , CO | 80302 | $29.7M |
| Firstier Bank - Fort Collins Downtown Branch | Fort Collins , CO | 80524 | $10.9M |
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 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2006 | Structure Change | Acquired FirsTier Bank, Wyoming 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.
- Deposit market share
- 0.4% of deposits in NE, rank 50 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 57 loans originated, $26.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $780K approved, $780K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Firstier Bank
What are Firstier Bank's total assets?
As of the Q2 2026 filing, Firstier Bank reported total assets of $1.05 billion in its FFIEC call report.
Where is Firstier Bank headquartered?
It is headquartered in Kimball, NE, United States.
When was Firstier Bank founded?
It was established in 1955, per the FDIC institution directory.
Is Firstier Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Firstier Bank?
Firstier Bank's primary federal regulator is the FDIC.
What is Firstier Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.34% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Firstier Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Firstier Bank's Texas Ratio?
Its Texas Ratio is 45.31% 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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