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First State Bank Nebraska

$1B-$10B Specialty: Agricultural NE FDIC cert 13868

Designations: ✓ Community bank

Lincoln, NE

18 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +10.6% year over year ($990.0M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 1.51%.
  • Efficiency ratio 54.07% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.82% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

First State Bank Nebraska has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 4.1% in tier
  • + ROA 0.12% above tier average
  • + Efficiency Ratio 5.66% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 22.0% in tier
  • - Liquidity Strain: Bottom 25.8% in tier
  • - Credit Risk Growth: Bottom 34.1% in tier
  • - Net Interest Margin 0.34% below tier average
Get updates when First State Bank Nebraska releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $1.1B
+3.1% YoY +1.9% QoQ
-$1.7B $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Bottom 12.4% in tier
Total Loans ? $899.1M
+7.1% YoY +2.8% QoQ
-$1.1B $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $990.0M
+10.6% YoY +2.1% QoQ
-$1.3B $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 14.8% in tier
Return on Assets ? 1.51%
+18.6% YoY +3.6% QoQ
+0.12% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 3.53%
+12.3% YoY +1.1% QoQ
-0.34% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 54.07%
-3.3% YoY -1.2% QoQ
-5.66% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.24%
+79.3% YoY +79.0% QoQ
-0.63% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 90.82%
-3.1% YoY +0.7% QoQ
+5.78% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 9.97%
-8.2% YoY -10.1% QoQ
-11.30% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 10.6% in tier
Nonperforming Asset Ratio ? 0.19%
+86.2% YoY +80.5% QoQ
-0.48% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 11.56%
+3.0% YoY -0.6% QoQ
-3.29% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.13%
+7.1% YoY +109.2% QoQ
-0.40% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Bottom 14.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 10.0%
-0.9pp YoY
-1.1pp QoQ
 -11.4pp 21.4% 17.6% 22.2% 10%
Brokered Deposits 3.0%
-2.4pp YoY
-0.1pp QoQ
 -6.4pp 9.5% 8.9% 8.5% 36%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 14.6%
+0.3pp YoY
-0.3pp QoQ
 +0.6pp 14.0% 12.3% 12.5% 66%
CRE 28.6%
-0.4pp YoY
-0.5pp QoQ
 -21.4pp 50.0% 32.3% 41.4% 10%
1-4 Family 13.7%
-0.3pp YoY
+0.4pp QoQ
 -12.7pp 26.4% 16.9% 31.3% 26%
Consumer 0.6%
-0.2pp YoY
-0.1pp QoQ
 -4.1pp 4.7% 3.1% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 11.6%
+0.3pp YoY
-0.1pp QoQ
 -4.0pp 15.6% 16.1% 19.7% 17%
Leverage Ratio 9.0%
0.0pp YoY
-0.2pp QoQ
 -2.3pp 11.3% 12.1% 12.6% 11%
Total Capital Ratio 12.6%
+0.4pp YoY
-0.1pp QoQ
 -4.1pp 16.7% 17.3% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 125
+8 (+6.8%) YoY
+3 (+2.5%) QoQ
 -189 313 98 482 15%
Assets per Employee ($) $9.1M
-3.5% YoY
-0.5% QoQ
 -$1.4M $10.5M $8.5M $8.8M 55%
Branch Count 18
+3 (+20.0%) YoY
0 QoQ
 -2 20 7 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.4% 0.4% 13%
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 24%
Allowance Coverage 4.07x
-42.5% YoY
-44.1% QoQ
 -14.64x 18.71x 31.69x 20.23x 73%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 14.8%
+1.4pp YoY
+0.5pp QoQ
 +2.2pp 12.6% 12.3% 11.6% 72%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
+0.1pp QoQ
 +0.3pp 1.9% 1.9% 1.7% 72%
Net Income ($, YTD) $8.5M
+24.1% YoY
— QoQ
 -$10.8M $19.2M $6.1M $40.4M 32%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#10 of 221 • Top 4.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#109 of 492 • Bottom 22.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#94 of 361 • Bottom 25.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.82%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#138 of 402 • Bottom 34.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

220
Delinquency Rate
credit_quality
Value: 0.24%
Peer Median: 0.87%
#220 of 882 Top 24.8% in $1B-$10B

Top Weaknesses (5 metrics)

792
Non-Interest-Bearing Deposit Share
funding
Value: 9.97%
Peer Median: 21.27%
#792 of 885 Bottom 10.6% in $1B-$10B
776
Total Assets
size
Value: $1.13B
Peer Median: $2.79B
#776 of 885 Bottom 12.4% in $1B-$10B
761
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.53%
#761 of 885 Bottom 14.1% in $1B-$10B
755
Total Deposits
size
Value: $990.00M
Peer Median: $2.32B
#755 of 885 Bottom 14.8% in $1B-$10B
672
Total Loans
size
Value: $899.11M
Peer Median: $1.96B
#672 of 885 Bottom 24.2% in $1B-$10B
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