TellerScore

First Bank of Utica (FDIC certificate #14281) is based in Utica, Nebraska. Its Q2 2026 call report shows $77.4M in total assets and $62.4M in deposits and 4 offices.

Based on its Q2 2026 filing, First Bank of Utica scores 76/100, which we describe as strong. That is higher than 56% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 63rd. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is earnings (45/100; 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Tier 1 leverage ratio: 14.27%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.4% · 12.7% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.07%

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 5 points (71 → 76), mostly because the loan quality component improved by 17 points.

TellerScore
717782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202480
Q1 202577
Q2 202571
Q3 202573
Q4 202582
Q1 202673
Q2 202676
Tier 1 leverage ratio
5.00%9.89%14.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.59%
Q3 202414.02%
Q4 202414.70%
Q1 202514.15%
Q2 202513.87%
Q3 202514.37%
Q4 202514.77%
Q1 202614.12%
Q2 202614.27%
Noncurrent loans
0.45%0.79%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.80%
Q3 20240.70%
Q4 20240.71%
Q1 20250.64%
Q2 20251.13%
Q3 20251.00%
Q4 20250.45%
Q1 20260.87%
Q2 20260.63%
Return on assets
0.50%0.83%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.15%
Q4 20241.13%
Q1 20250.71%
Q2 20250.81%
Q3 20250.86%
Q4 20250.96%
Q1 20260.50%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$77.4M14.27%0.63%0.63%93.4%
Q1 202673$78.1M14.12%0.87%0.50%87.1%
Q4 202582$80.3M14.77%0.45%0.96%91.5%
Q3 202573$75.0M14.37%1.00%0.86%102.4%
Q2 202571$77.4M13.87%1.13%0.81%94.3%
Q1 202577$76.6M14.15%0.64%0.71%91.2%
Q4 202480$70.5M14.70%0.71%1.13%99.3%
Q3 202478$76.1M14.02%0.70%1.15%95.9%
Q2 202477$75.5M13.59%0.80%1.16%87.4%

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).

Capital ratio14.27%
65th
Total risk-based capital0.00%
27th
Problem loans0.63%
43rd
Net charge-offs0.08%
20th
Return on assets0.63%
32nd
Net interest margin4.40%
72nd
Efficiency ratio80.5%
30th
Loans to deposits93.4%
14th
Uninsured deposits12.7%
64th
Loan-loss reserves1.81%
80th
Texas ratio3.1%
44th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
First Tri County BankBank Swanton, NE72 out of 100, Strong$78.5M9.1%0.04%vs
Commercial State BankBank Republican City, NE97 out of 100, Very strong$75.5M28.6%0.00%vs
Nebraska State BankBank Oshkosh, NE79 out of 100, Strong$74.1M18.1%1.40%vs
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
Clarkson BankBank Clarkson, NE82 out of 100, Strong$81.4M11.0%0.19%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs

Deposit insurance

Is my money safe at First Bank of Utica?

Yes. First Bank of Utica is an FDIC-insured institution (FDIC certificate #14281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.7% of deposits ($7.9M) 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 14.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Bank of Utica lists 4 offices in 4 cities. Most locations:

  • Cordova, NE (1)
  • Friend, NE (1)
  • Milligan, NE (1)
  • Utica, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Bank of Utica
Former names
The First National Bank of Utica
Type
State-chartered bank (Fed member)
FDIC certificate #
14281
RSSD ID
391959
Primary regulator
FED
Holding company
First National Utica Co
Established
January 1, 1882
Headquarters
785 D St, Utica, NE 68456
Employees
13

Quick answers

First Bank of Utica: common questions

Is First Bank of Utica FDIC insured?

Yes. First Bank of Utica is an FDIC-insured institution (FDIC certificate #14281). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank of Utica's TellerScore?

76 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 of Utica ever failed?

There is no failure record for FDIC certificate #14281 in the FDIC failed bank list.

How many branches does First Bank of Utica have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Utica

InstitutionScoreAssetsCapitalProblem loansCompare
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Jones BankBank Seward, NE77 out of 100, Strong$441.2M11.2%0.39%vs