Headquartered in Mccook, Nebraska, First Central Bank McCook is a state-chartered bank with $122.8M in total assets and $105.8M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1999.
Based on its Q2 2026 filing, First Central Bank McCook scores 41/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 136th. Its strongest component is funding & liquidity (67/100; 94% loans-to-deposits, 10% uninsured), and its lowest is loan quality (0/100; 5.80%).
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 (30 → 41), mostly because the earnings component improved by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 35 |
| Q3 2024 | 36 |
| Q4 2024 | 27 |
| Q1 2025 | 27 |
| Q2 2025 | 30 |
| Q3 2025 | 31 |
| Q4 2025 | 40 |
| Q1 2026 | 42 |
| Q2 2026 | 41 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.08% |
| Q3 2024 | 11.29% |
| Q4 2024 | 9.91% |
| Q1 2025 | 9.73% |
| Q2 2025 | 9.86% |
| Q3 2025 | 10.20% |
| Q4 2025 | 10.74% |
| Q1 2026 | 10.97% |
| Q2 2026 | 11.30% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 7.28% |
| Q3 2024 | 7.04% |
| Q4 2024 | 5.88% |
| Q1 2025 | 6.66% |
| Q2 2025 | 6.43% |
| Q3 2025 | 8.31% |
| Q4 2025 | 6.43% |
| Q1 2026 | 6.09% |
| Q2 2026 | 5.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.38% |
| Q4 2024 | -0.56% |
| Q1 2025 | -0.71% |
| Q2 2025 | -0.22% |
| Q3 2025 | -0.02% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 41 | $122.8M | 11.30% | 5.80% | 0.66% | 93.7% |
| Q1 2026 | 42 | $124.9M | 10.97% | 6.09% | 0.61% | 79.7% |
| Q4 2025 | 40 | $127.3M | 10.74% | 6.43% | 0.56% | 79.9% |
| Q3 2025 | 31 | $122.4M | 10.20% | 8.31% | -0.02% | 86.0% |
| Q2 2025 | 30 | $126.3M | 9.86% | 6.43% | -0.22% | 83.6% |
| Q1 2025 | 27 | $129.0M | 9.73% | 6.66% | -0.71% | 83.6% |
| Q4 2024 | 27 | $130.2M | 9.91% | 5.88% | -0.56% | 86.3% |
| Q3 2024 | 36 | $125.1M | 11.29% | 7.04% | 0.38% | 91.7% |
| Q2 2024 | 35 | $123.6M | 11.08% | 7.28% | 0.21% | 89.5% |
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 |
|---|---|---|---|---|---|
| Custer Federal State BankBank Broken Bow, NE | 80 out of 100, Strong | $120.7M | 12.0% | 0.00% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Wahoo State BankBank Wahoo, NE | 66 out of 100, Moderate | $116.5M | 9.0% | 0.00% | vs |
| American Interstate BankBank Elkhorn, NE | 93 out of 100, Very strong | $132.0M | 20.1% | 0.00% | vs |
| F&M BankBank Falls City, NE | 83 out of 100, Strong | $135.3M | 11.6% | 0.00% | vs |
| First Bank and Trust of FullertonBank Fullerton, NE | 87 out of 100, Very strong | $108.3M | 14.2% | 0.00% | vs |
Deposit insurance
Is my money safe at First Central Bank McCook?
Yes. First Central Bank McCook is an FDIC-insured institution (FDIC certificate #34995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.6% of deposits ($10.2M) 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 11.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.37% (benchmark: 10%).
2 locations
Branches
First Central Bank McCook lists 2 offices in 2 cities. Most locations:
- Curtis, NE (1)
- Mccook, NE (1)
Identity & history
Profile
- Legal name
- First Central Bank McCook
- Former names
- First Central Bank McCook National Association
- Type
- State-chartered bank
- FDIC certificate #
- 34995
- RSSD ID
- 2726050
- Primary regulator
- FDIC
- Holding company
- Central Bancshares Inc
- Established
- January 4, 1999
- Headquarters
- 904 N Highway 83, Mccook, NE 69001
- Website
- www.firstcentral.com
- Employees
- 19
Quick answers
First Central Bank McCook: common questions
Is First Central Bank McCook FDIC insured?
Yes. First Central Bank McCook is an FDIC-insured institution (FDIC certificate #34995). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Central Bank McCook's TellerScore?
41 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 McCook ever failed?
There is no failure record for FDIC certificate #34995 in the FDIC failed bank list.
How many branches does First Central Bank McCook have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mccook
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Mnb BankBank Mccook, NE | 75 out of 100, Strong | $594.1M | 11.1% | 0.15% | vs |
| Stockmens BankBank Colorado Springs, CO | 75 out of 100, Strong | $650.8M | 10.6% | 0.18% | vs |
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |
| Henderson State BankBank Henderson, NE | 72 out of 100, Strong | $678.5M | 10.4% | 0.27% | vs |