Headquartered in Loomis, Nebraska, First State Bank is a state-chartered bank with $232.5M in total assets and $195.7M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1945.
Based on its Q2 2026 filing, First State Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 30th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (60/100; 89% loans-to-deposits, 25% uninsured).
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 13 points (71 → 84), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 73 |
| Q1 2025 | 76 |
| Q2 2025 | 71 |
| Q3 2025 | 77 |
| Q4 2025 | 79 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.33% |
| Q3 2024 | 10.09% |
| Q4 2024 | 10.13% |
| Q1 2025 | 10.67% |
| Q2 2025 | 10.95% |
| Q3 2025 | 10.92% |
| Q4 2025 | 11.12% |
| Q1 2026 | 11.63% |
| Q2 2026 | 11.76% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.27% |
| Q1 2025 | 1.52% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.62% |
| Q1 2026 | 3.17% |
| Q2 2026 | 2.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $232.5M | 11.76% | 0.01% | 2.57% | 89.2% |
| Q1 2026 | 84 | $227.3M | 11.63% | 0.05% | 3.17% | 86.6% |
| Q4 2025 | 79 | $230.3M | 11.12% | 0.17% | 1.62% | 82.6% |
| Q3 2025 | 77 | $231.0M | 10.92% | 0.14% | 1.62% | 90.1% |
| Q2 2025 | 71 | $216.5M | 10.95% | 0.79% | 1.63% | 86.2% |
| Q1 2025 | 76 | $215.3M | 10.67% | 0.22% | 1.52% | 83.7% |
| Q4 2024 | 73 | $223.7M | 10.13% | 0.28% | 1.27% | 81.7% |
| Q3 2024 | 72 | $223.3M | 10.09% | 0.25% | 1.28% | 86.2% |
| Q2 2024 | 73 | $215.9M | 10.33% | 0.24% | 1.33% | 84.5% |
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 |
|---|---|---|---|---|---|
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |
| Town & Country BankBank Ravenna, NE | 92 out of 100, Very strong | $228.9M | 14.1% | 0.00% | vs |
| I3 BankBank Bennington, NE | 63 out of 100, Moderate | $225.5M | 8.8% | 0.33% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Nebraska Bank of CommerceBank Lincoln, NE | 66 out of 100, Moderate | $241.2M | 9.6% | 0.33% | vs |
| Citizens Bank & Trust CompanyBank Saint Paul, NE | 54 out of 100, Below average | $242.3M | 11.4% | 2.42% | vs |
Deposit insurance
Is my money safe at First State Bank?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #16333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.0% of deposits ($49.0M) 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 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.53% (benchmark: 10%).
4 locations
Branches
First State Bank lists 4 offices in 4 cities. Most locations:
- Alma, NE (1)
- Axtell, NE (1)
- Bertrand, NE (1)
- Loomis, NE (1)
Identity & history
Profile
- Legal name
- First State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16333
- RSSD ID
- 172859
- Primary regulator
- FDIC
- Holding company
- Loomis Co
- Established
- October 22, 1945
- Headquarters
- 211 Commercial St, Loomis, NE 68958
- Website
- www.fsbloomis.com
- Employees
- 25
Quick answers
First State Bank: common questions
Is First State Bank FDIC insured?
Yes. First State Bank is an FDIC-insured institution (FDIC certificate #16333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First State Bank's TellerScore?
84 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 State Bank ever failed?
There is no failure record for FDIC certificate #16333 in the FDIC failed bank list.
How many branches does First State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Loomis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| The First State BankBank Norton, KS | 90 out of 100, Very strong | $493.2M | 13.1% | 0.10% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Bruning BankBank Bruning, NE | 74 out of 100, Strong | $659.9M | 10.0% | 0.00% | vs |
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |
| Lincoln FSB of NebraskaBank Lincoln, NE | 69 out of 100, Moderate | $387.3M | 11.7% | 0.46% | vs |