TellerScore

First Northeast Bank of Nebraska is a state-chartered bank (fed member) headquartered in Lyons, Nebraska, in business for about 124 years. At the end of Q2 2026 it reported $472.6M in total assets and $361.0M in deposits, with 8 offices.

Based on its Q2 2026 filing, First Northeast Bank of Nebraska scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 16th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is earnings (73/100; 1.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.51%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 49.0% · 17.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.58%

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 2 points (86 → 88), mostly because the capital cushion component improved by 6 points.

TellerScore
858789Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202489
Q1 202585
Q2 202586
Q3 202588
Q4 202589
Q1 202686
Q2 202688
Tier 1 leverage ratio
5.00%9.26%13.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.47%
Q3 202412.74%
Q4 202413.00%
Q1 202512.56%
Q2 202512.88%
Q3 202513.11%
Q4 202513.40%
Q1 202613.20%
Q2 202613.51%
Noncurrent loans
0.21%0.22%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.22%
Q4 20240.21%
Q1 20250.23%
Q2 20250.24%
Q3 20250.23%
Q4 20250.21%
Q1 20260.23%
Q2 20260.22%
Return on assets
1.26%1.41%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.53%
Q4 20241.56%
Q1 20251.27%
Q2 20251.34%
Q3 20251.44%
Q4 20251.44%
Q1 20261.26%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$472.6M13.51%0.22%1.32%49.0%
Q1 202686$501.2M13.20%0.23%1.26%50.2%
Q4 202589$480.7M13.40%0.21%1.44%58.2%
Q3 202588$489.5M13.11%0.23%1.44%51.1%
Q2 202586$487.4M12.88%0.24%1.34%49.4%
Q1 202585$479.2M12.56%0.23%1.27%51.7%
Q4 202489$465.4M13.00%0.21%1.56%58.2%
Q3 202487$465.7M12.74%0.22%1.53%56.8%
Q2 202486$463.7M12.47%0.22%1.40%56.1%

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 ratio13.51%
78th
Total risk-based capital0.00%
24th
Problem loans0.22%
63rd
Net charge-offs0.00%
68th
Return on assets1.32%
54th
Net interest margin3.02%
11th
Efficiency ratio48.4%
86th
Loans to deposits49.0%
92nd
Uninsured deposits17.3%
74th
Loan-loss reserves1.90%
92nd
Texas ratio0.6%
75th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
FirstBank of NebraskaBank Wahoo, NE77 out of 100, Strong$498.1M11.2%0.89%vs
Jones BankBank Seward, NE77 out of 100, Strong$441.2M11.2%0.39%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs
Equitable BankBank Grand Island, NE72 out of 100, Strong$523.5M10.4%0.01%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Charter West BankBank West Point, NE68 out of 100, Moderate$547.9M9.3%0.26%vs

Deposit insurance

Is my money safe at First Northeast Bank of Nebraska?

Yes. First Northeast Bank of Nebraska is an FDIC-insured institution (FDIC certificate #5432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.3% of deposits ($62.5M) 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 13.51%, 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

8 locations

Branches

First Northeast Bank of Nebraska lists 8 offices in 8 cities. Most locations:

  • Ceresco, NE (1)
  • Fremont, NE (1)
  • Hartington, NE (1)
  • Hooper, NE (1)
  • Lyons, NE (1)
  • Oakland, NE (1)
  • Tekamah, NE (1)
  • Uehling, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Northeast Bank of Nebraska
Former names
The First National Bank of Lyons; First National Bank Northeast
Type
State-chartered bank (Fed member)
FDIC certificate #
5432
RSSD ID
208655
Primary regulator
FED
Holding company
Farm&home Insurance Agency Inc
Established
April 1, 1902
Headquarters
440 Main St, Lyons, NE 68038
Employees
45

Quick answers

First Northeast Bank of Nebraska: common questions

Is First Northeast Bank of Nebraska FDIC insured?

Yes. First Northeast Bank of Nebraska is an FDIC-insured institution (FDIC certificate #5432). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Northeast Bank of Nebraska's TellerScore?

88 out of 100 (Very 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 Northeast Bank of Nebraska ever failed?

There is no failure record for FDIC certificate #5432 in the FDIC failed bank list.

How many branches does First Northeast Bank of Nebraska have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lyons

InstitutionScoreAssetsCapitalProblem loansCompare
Scribner BankBank Scribner, NE96 out of 100, Very strong$86.9M16.6%0.04%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
Washington County BankBank Blair, NE83 out of 100, Strong$662.3M12.8%0.34%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs
First Nebraska BankBank Valley, NE75 out of 100, Strong$371.4M10.3%0.23%vs