TellerScore

First State Bank Nebraska is a state-chartered bank (fed member) headquartered in Lincoln, Nebraska, in business for about 114 years. At the end of Q2 2026 it reported $1.1B in total assets and $990.0M in deposits, with 18 offices.

Based on its Q2 2026 filing, First State Bank Nebraska scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 90th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is capital cushion (40/100; 9.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.00%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 90.8% · 15.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.74%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 71).

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202465
Q1 202572
Q2 202570
Q3 202571
Q4 202571
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%7.09%9.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.80%
Q3 20248.78%
Q4 20248.85%
Q1 20259.01%
Q2 20258.96%
Q3 20258.97%
Q4 20259.14%
Q1 20269.19%
Q2 20269.00%
Noncurrent loans
0.03%0.13%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.04%
Q4 20240.03%
Q1 20250.03%
Q2 20250.13%
Q3 20250.12%
Q4 20250.12%
Q1 20260.13%
Q2 20260.24%
Return on assets
0.89%1.20%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20241.00%
Q4 20241.10%
Q1 20251.27%
Q2 20251.27%
Q3 20251.35%
Q4 20251.39%
Q1 20261.45%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.1B9.00%0.24%1.51%90.8%
Q1 202672$1.1B9.19%0.13%1.45%90.2%
Q4 202571$1.1B9.14%0.12%1.39%92.0%
Q3 202571$1.1B8.97%0.12%1.35%91.2%
Q2 202570$1.1B8.96%0.13%1.27%93.8%
Q1 202572$1.1B9.01%0.03%1.27%88.5%
Q4 202465$1.1B8.85%0.03%1.10%93.1%
Q3 202464$1.0B8.78%0.04%1.00%89.4%
Q2 202463$1.0B8.80%0.08%0.89%90.9%

897 peers · $1 billion – $10 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 ratio9.00%
12th
Total risk-based capital12.56%
37th
Problem loans0.24%
74th
Net charge-offs0.03%
54th
Return on assets1.51%
70th
Net interest margin3.53%
39th
Efficiency ratio54.1%
65th
Loans to deposits90.8%
38th
Uninsured deposits15.6%
90th
Loan-loss reserves0.97%
28th
Texas ratio1.7%
73rd

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Access BankBank Omaha, NE65 out of 100, Moderate$1.1B10.7%0.51%vs
Core BankBank Omaha, NE64 out of 100, Moderate$1.1B9.8%0.11%vs
Nebraskaland BankBank North Platte, NE60 out of 100, Moderate$1.1B9.1%0.29%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Cornhusker BankBank Lincoln, NE74 out of 100, Strong$1.0B10.1%0.02%vs

Deposit insurance

Is my money safe at First State Bank Nebraska?

Yes. First State Bank Nebraska is an FDIC-insured institution (FDIC certificate #13868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($154.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.56% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

First State Bank Nebraska lists 18 offices in 16 cities. Most locations:

  • Lincoln, NE (2)
  • Plattsmouth, NE (2)
  • Beatrice, NE (1)
  • Cedar Bluffs, NE (1)
  • Colon, NE (1)
  • Cortland, NE (1)
  • De Witt, NE (1)
  • Dorchester, NE (1)
  • Filley, NE (1)
  • Hickman, NE (1)
  • Nehawka, NE (1)
  • Omaha, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First State Bank Nebraska reported 283 home-loan applications under HMDA (LEI 549300F5TN705NCHGW39): 205 originated ($56,805,000 total), 32 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.3%, 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 State Bank Nebraska
Former names
First State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
13868
RSSD ID
499453
Primary regulator
FED
Holding company
First State Holding Co
Established
December 12, 1912
Headquarters
2701 Grainger Pkwy, Lincoln, NE 68516
Employees
125

Quick answers

First State Bank Nebraska: common questions

Is First State Bank Nebraska FDIC insured?

Yes. First State Bank Nebraska is an FDIC-insured institution (FDIC certificate #13868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First State Bank Nebraska's TellerScore?

71 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 Nebraska ever failed?

There is no failure record for FDIC certificate #13868 in the FDIC failed bank list.

How many branches does First State Bank Nebraska have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lincoln

InstitutionScoreAssetsCapitalProblem loansCompare
Adams State BankBank Adams, NE91 out of 100, Very strong$70.2M16.6%0.09%vs
Countryside BankBank Unadilla, NE90 out of 100, Very strong$118.5M15.2%0.35%vs
Nebraska State Employees Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$36.8M14.0%0.11%vs
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs