TellerScore

Headquartered in Valley, Nebraska, First Nebraska Bank is a state-chartered bank (fed member) with $371.4M in total assets and $329.9M in deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1934.

First Nebraska Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 67th. Problem-loan coverage contributes the most (97/100, 1.6%); capital cushion contributes the least (53/100, 10.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.32%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.23%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 76.0% · 25.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.56%

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 3 points (72 → 75), mostly because the earnings component improved by 7 points.

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202475
Q1 202573
Q2 202572
Q3 202576
Q4 202577
Q1 202676
Q2 202675
Tier 1 leverage ratio
5.00%7.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.09%
Q3 202410.27%
Q4 202410.46%
Q1 202510.25%
Q2 202510.14%
Q3 202510.37%
Q4 202510.52%
Q1 202610.35%
Q2 202610.32%
Noncurrent loans
0.06%0.31%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.30%
Q4 20240.21%
Q1 20250.29%
Q2 20250.41%
Q3 20250.20%
Q4 20250.06%
Q1 20260.07%
Q2 20260.23%
Return on assets
1.18%1.31%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.44%
Q3 20241.41%
Q4 20241.30%
Q1 20251.18%
Q2 20251.25%
Q3 20251.33%
Q4 20251.32%
Q1 20261.21%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$371.4M10.32%0.23%1.42%76.0%
Q1 202676$361.0M10.35%0.07%1.21%74.8%
Q4 202577$352.4M10.52%0.06%1.32%77.1%
Q3 202576$348.8M10.37%0.20%1.33%71.9%
Q2 202572$358.5M10.14%0.41%1.25%69.4%
Q1 202573$354.8M10.25%0.29%1.18%71.0%
Q4 202475$337.6M10.46%0.21%1.30%77.9%
Q3 202475$342.3M10.27%0.30%1.41%73.4%
Q2 202472$347.2M10.09%0.56%1.44%69.6%

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).

Capital ratio10.32%
38th
Total risk-based capital0.00%
24th
Problem loans0.23%
62nd
Net charge-offs0.04%
29th
Return on assets1.42%
61st
Net interest margin4.50%
80th
Efficiency ratio66.5%
38th
Loans to deposits76.0%
58th
Uninsured deposits25.1%
46th
Loan-loss reserves1.27%
58th
Texas ratio1.6%
63rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Flatwater BankBank Gothenburg, NE56 out of 100, Moderate$367.7M9.4%1.76%vs
Banner Capital BankBank Harrisburg, NE69 out of 100, Moderate$379.8M11.0%1.31%vs
Sandhills State BankBank North Platte, NE69 out of 100, Moderate$382.8M8.4%0.16%vs
The First National Bank of GordonBank Gordon, NE79 out of 100, Strong$357.5M14.1%1.30%vs
Lincoln FSB of NebraskaBank Lincoln, NE69 out of 100, Moderate$387.3M11.7%0.46%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs

Deposit insurance

Is my money safe at First Nebraska Bank?

Yes. First Nebraska Bank is an FDIC-insured institution (FDIC certificate #12248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.1% of deposits ($82.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.32%, 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

15 locations

Branches

First Nebraska Bank lists 11 offices in 11 cities. Most locations:

  • Arcadia, NE (1)
  • Bennet, NE (1)
  • Brainard, NE (1)
  • Columbus, NE (1)
  • Decatur, NE (1)
  • Elkhorn, NE (1)
  • Emerson, NE (1)
  • Nebraska City, NE (1)
  • Stanton, NE (1)
  • Valley, NE (1)
  • Weeping Water, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Nebraska Bank reported 120 home-loan applications under HMDA (LEI 5493007FRLGNQEXCGS66): 87 originated ($24,325,000 total), 21 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Nebraska Bank
Former names
Bank of Valley
Type
State-chartered bank (Fed member)
FDIC certificate #
12248
RSSD ID
576952
Primary regulator
FED
Holding company
Valley Bank Shares Inc
Established
January 1, 1934
Headquarters
330 N Spruce St, Valley, NE 68064
Employees
72

Quick answers

First Nebraska Bank: common questions

Is First Nebraska Bank FDIC insured?

Yes. First Nebraska Bank is an FDIC-insured institution (FDIC certificate #12248). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Nebraska Bank's TellerScore?

75 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 Nebraska Bank ever failed?

There is no failure record for FDIC certificate #12248 in the FDIC failed bank list.

How many branches does First Nebraska Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Valley

InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
Omaha Firefighters Credit UnionCredit union Omaha, NE92 out of 100, Very strong$76.0M17.5%0.04%vs
Neighborhood Community Federal Credit UnionCredit union Omaha, NE92 out of 100, Very strong$31.0M14.2%0.17%vs
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs