Headquartered in Cambridge, Nebraska, First Central Bank is a state-chartered bank with $137.8M in total assets and $117.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1907.
First Central Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 133rd. Earnings contributes the most (73/100, 1.34%); loan quality contributes the least (0/100, 3.47%).
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 18 points (32 → 50), mostly because the problem-loan coverage component improved by 55 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 51 |
| Q4 2024 | 52 |
| Q1 2025 | 30 |
| Q2 2025 | 32 |
| Q3 2025 | 38 |
| Q4 2025 | 44 |
| Q1 2026 | 50 |
| Q2 2026 | 50 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.29% |
| Q3 2024 | 11.60% |
| Q4 2024 | 11.51% |
| Q1 2025 | 11.07% |
| Q2 2025 | 10.64% |
| Q3 2025 | 10.97% |
| Q4 2025 | 10.94% |
| Q1 2026 | 11.35% |
| Q2 2026 | 11.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 6.45% |
| Q3 2024 | 5.17% |
| Q4 2024 | 5.01% |
| Q1 2025 | 6.50% |
| Q2 2025 | 6.87% |
| Q3 2025 | 7.10% |
| Q4 2025 | 4.98% |
| Q1 2026 | 3.76% |
| Q2 2026 | 3.47% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 1.93% |
| Q4 2024 | 1.92% |
| Q1 2025 | -0.67% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $137.8M | 11.59% | 3.47% | 1.34% | 89.3% |
| Q1 2026 | 50 | $137.6M | 11.35% | 3.76% | 1.27% | 85.5% |
| Q4 2025 | 44 | $144.5M | 10.94% | 4.98% | 0.96% | 86.0% |
| Q3 2025 | 38 | $141.8M | 10.97% | 7.10% | 0.65% | 91.4% |
| Q2 2025 | 32 | $142.3M | 10.64% | 6.87% | 0.00% | 88.0% |
| Q1 2025 | 30 | $140.4M | 11.07% | 6.50% | -0.67% | 87.6% |
| Q4 2024 | 52 | $133.0M | 11.51% | 5.01% | 1.92% | 92.4% |
| Q3 2024 | 51 | $129.8M | 11.60% | 5.17% | 1.93% | 94.5% |
| Q2 2024 | 52 | $132.4M | 11.29% | 6.45% | 2.09% | 88.8% |
2,650 peers · $100 million – $1 billion
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 |
|---|---|---|---|---|---|
| West Plains BankBank Ainsworth, NE | 91 out of 100, Very strong | $139.3M | 14.8% | 0.00% | vs |
| F&M BankBank Falls City, NE | 83 out of 100, Strong | $135.3M | 11.6% | 0.00% | vs |
| Hershey BankBank Hershey, NE | 67 out of 100, Moderate | $141.1M | 13.2% | 1.22% | vs |
| Bank of Dixon CountyBank Ponca, NE | 70 out of 100, Strong | $141.7M | 13.3% | 2.04% | vs |
| American Interstate BankBank Elkhorn, NE | 93 out of 100, Very strong | $132.0M | 20.1% | 0.00% | vs |
| State Bank of Table RockBank Table Rock, NE | 64 out of 100, Moderate | $150.4M | 9.7% | 0.79% | vs |
Deposit insurance
Is my money safe at First Central Bank?
Yes. First Central Bank is an FDIC-insured institution (FDIC certificate #10637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.8% of deposits ($18.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.00% (benchmark: 10%).
3 locations
Branches
First Central Bank lists 3 offices in 3 cities. Most locations:
- Arapahoe, NE (1)
- Cambridge, NE (1)
- Edison, NE (1)
Identity & history
Profile
- Legal name
- First Central Bank
- Former names
- The Cambridge State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10637
- RSSD ID
- 134156
- Primary regulator
- FDIC
- Holding company
- Central Bancshares Inc
- Established
- June 15, 1907
- Headquarters
- 623 Patterson St, Cambridge, NE 69022
- Website
- www.firstcentral.com
- Employees
- 25
Quick answers
First Central Bank: common questions
Is First Central Bank FDIC insured?
Yes. First Central Bank is an FDIC-insured institution (FDIC certificate #10637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Central Bank's TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Central Bank ever failed?
There is no failure record for FDIC certificate #10637 in the FDIC failed bank list.
How many branches does First Central Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cambridge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| Waypoint BankBank Cozad, NE | 75 out of 100, Strong | $391.5M | 10.9% | 0.59% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Banner Capital BankBank Harrisburg, NE | 69 out of 100, Moderate | $379.8M | 11.0% | 1.31% | vs |