First Bank and Trust Company is a state-chartered bank (fed member) headquartered in Minden, Nebraska, in business for about 143 years. At the end of Q2 2026 it reported $91.2M in total assets and $66.3M in deposits, with 1 office.
Based on its Q2 2026 filing, First Bank and Trust Company scores 78/100, which we describe as strong. That is higher than 60% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 51st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (55/100; 10.55%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (67 → 78), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 71 |
| Q4 2024 | 66 |
| Q1 2025 | 71 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 51 |
| Q1 2026 | 60 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.27% |
| Q3 2024 | 9.51% |
| Q4 2024 | 9.52% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.80% |
| Q3 2025 | 10.48% |
| Q4 2025 | 10.51% |
| Q1 2026 | 10.27% |
| Q2 2026 | 10.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.78% |
| Q3 2025 | 1.27% |
| Q4 2025 | 2.70% |
| Q1 2026 | 1.90% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.49% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.08% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $91.2M | 10.55% | 0.00% | 1.01% | 65.3% |
| Q1 2026 | 60 | $92.4M | 10.27% | 1.90% | 0.96% | 63.3% |
| Q4 2025 | 51 | $93.6M | 10.51% | 2.70% | 0.91% | 69.7% |
| Q3 2025 | 65 | $93.9M | 10.48% | 1.27% | 1.08% | 73.2% |
| Q2 2025 | 67 | $95.3M | 9.80% | 0.78% | 1.00% | 71.3% |
| Q1 2025 | 71 | $96.5M | 9.61% | 0.50% | 1.11% | 65.3% |
| Q4 2024 | 66 | $96.1M | 9.52% | 0.48% | 0.49% | 67.3% |
| Q3 2024 | 71 | $96.7M | 9.51% | 0.00% | 0.66% | 74.9% |
| Q2 2024 | 70 | $98.0M | 9.27% | 0.00% | 0.52% | 67.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chambers State BankBank Chambers, NE | 91 out of 100, Very strong | $89.2M | 24.7% | 0.39% | vs |
| Thayer County BankBank Hebron, NE | 81 out of 100, Strong | $88.5M | 13.0% | 0.32% | vs |
| Siouxland BankBank South Sioux City, NE | 88 out of 100, Very strong | $88.3M | 12.4% | 0.00% | vs |
| Bank of ElginBank Elgin, NE | 92 out of 100, Very strong | $87.3M | 13.5% | 0.00% | vs |
| Scribner BankBank Scribner, NE | 96 out of 100, Very strong | $86.9M | 16.6% | 0.04% | vs |
| The First National Bank of JohnsonBank Johnson, NE | 88 out of 100, Very strong | $95.6M | 15.2% | 0.00% | vs |
Deposit insurance
Is my money safe at First Bank and Trust Company?
Yes. First Bank and Trust Company is an FDIC-insured institution (FDIC certificate #5438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.9% of deposits ($7.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.55%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.80% (benchmark: 10%).
1 location
Branches
First Bank and Trust Company lists 1 office in 1 city. Most locations:
- Minden, NE (1)
Identity & history
Profile
- Legal name
- First Bank and Trust Company
- Former names
- The First National Bank and Trust Company of Minden; The First National Bank of Minden
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 5438
- RSSD ID
- 114859
- Primary regulator
- FED
- Holding company
- First of Minden Financial Corp
- Established
- September 4, 1883
- Headquarters
- 315 E 4th St, Minden, NE 68959
- Website
- www.firstofminden.com
- Employees
- 13
Quick answers
First Bank and Trust Company: common questions
Is First Bank and Trust Company FDIC insured?
Yes. First Bank and Trust Company is an FDIC-insured institution (FDIC certificate #5438). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank and Trust Company's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #5438 in the FDIC failed bank list.
How many branches does First Bank and Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Minden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| Town & Country BankBank Ravenna, NE | 92 out of 100, Very strong | $228.9M | 14.1% | 0.00% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Minden Exchange Bank & Trust CompanyBank Minden, NE | 82 out of 100, Strong | $201.4M | 19.8% | 1.23% | vs |