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First State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 16333

Loomis, NE

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +7.5% year over year ($195.7M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 2.57%.
  • Efficiency ratio 36.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.20% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

First State Bank shows strong momentum with 4 strengths and 7.4% YoY asset growth

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

  • + Profitability Leader: Top 1.4% in tier
  • + Net Interest Margin 1.41% above tier average
  • + Efficiency Ratio 28.41% below tier average
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $232.5M
+7.4% YoY +2.3% QoQ
-$154.1M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $174.5M
+11.3% YoY +3.5% QoQ
-$83.8M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $195.7M
+7.5% YoY +0.4% QoQ
-$131.1M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 2.57%
+57.9% YoY -18.8% QoQ
+1.25% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
Top 3.9% in tier
Net Interest Margin ? 5.39%
+35.3% YoY -13.8% QoQ
+1.41% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
Top 3.7% in tier
Efficiency Ratio ? 36.07%
-24.6% YoY +14.0% QoQ
-28.41% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
Top 1.9% in tier
Delinquency Rate ? 0.01%
-98.8% YoY -81.8% QoQ
-0.91% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Top 14.0% in tier
Loan-to-Deposit Ratio ? 89.20%
+3.5% YoY +3.0% QoQ
+11.25% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 27.31%
+3.0% YoY -4.4% QoQ
+5.28% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.01%
-98.8% YoY -81.6% QoQ
-0.66% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Top 13.1% in tier
Tier 1 Capital Ratio ? 13.49%
+4.0% YoY -3.3% QoQ
-2.42% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.13%
-0.3% YoY +94.9% QoQ
-0.44% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
28%

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 27.3%
+0.8pp YoY
-1.2pp QoQ
 +5.2pp 22.1% 17.6% 22.2% 74%
Brokered Deposits 5.5%
+2.9pp YoY
-0.2pp QoQ
 -2.3pp 7.9% 8.9% 8.5% 56%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 12.7%
+0.5pp YoY
-0.1pp QoQ
 +1.2pp 11.6% 12.3% 12.5% 67%
CRE n/a n/a 39.5% 32.3% 41.4% n/a
1-4 Family 9.5%
+1.2pp YoY
+0.3pp QoQ
 -23.2pp 32.6% 16.9% 31.3% 10%
Consumer 3.2%
-0.6pp YoY
-0.2pp QoQ
 -0.9pp 4.1% 3.1% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 13.5%
+0.5pp YoY
-0.5pp QoQ
 -5.3pp 18.8% 16.1% 19.7% 34%
Leverage Ratio 11.8%
+0.8pp YoY
+0.1pp QoQ
 -0.4pp 12.2% 12.1% 12.6% 62%
Total Capital Ratio 14.5%
+0.5pp YoY
-0.5pp QoQ
 -5.4pp 19.9% 17.3% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 25
+1 (+4.2%) YoY
-1 (-3.8%) QoQ
 -34 58 98 482 19%
Assets per Employee ($) $9.3M
+3.1% YoY
+6.4% QoQ
 +$1.8M $7.5M $8.5M $8.8M 82%
Branch Count 4
0 YoY
0 QoQ
 -1 4 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.6pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 8%
Nonaccrual 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 2%
Allowance Coverage 129.75x
+8225.3% YoY
+448.4% QoQ
 +105.60x 24.15x 31.69x 20.23x 97%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 19.7%
+6.3pp YoY
-4.8pp QoQ
 +7.5pp 12.2% 12.3% 11.6% 87%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.9% 1.7% 32%
Net Income ($, YTD) $3.0M
+66.3% YoY
— QoQ
 +$403K $2.6M $6.1M $40.4M 69%

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)

Profitability Leader

growth
#10 of 661 • Top 1.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.57%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

52
Efficiency Ratio
profitability
Value: 36.07%
Peer Median: 64.48%
#52 of 2643 Top 1.9% in $100M-$1B
98
Net Interest Margin
profitability
Value: 5.39%
Peer Median: 3.99%
#98 of 2643 Top 3.7% in $100M-$1B
104
Return on Assets
profitability
Value: 2.57%
Peer Median: 1.32%
#104 of 2643 Top 3.9% in $100M-$1B
348
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#348 of 2643 Top 13.1% in $100M-$1B
370
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#370 of 2633 Top 14.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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