TellerScore

Headquartered in Wahoo, Nebraska, FirstBank of Nebraska is a state-chartered bank (fed member) with $498.1M in total assets and $390.1M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1882.

FirstBank of Nebraska has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 54th. Earnings contributes the most (94/100, 1.85%); capital cushion contributes the least (62/100, 11.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.19%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.89%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 59.9% · 25.8% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.25%

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 fell 2 points (79 → 77), mostly because the loan quality component weakened by 16 points.

TellerScore
727782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202480
Q4 202478
Q1 202580
Q2 202579
Q3 202579
Q4 202581
Q1 202672
Q2 202677
Tier 1 leverage ratio
5.00%8.26%11.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.16%
Q3 202410.81%
Q4 202410.23%
Q1 202511.01%
Q2 202510.88%
Q3 202511.11%
Q4 202511.51%
Q1 202610.95%
Q2 202611.19%
Noncurrent loans
0.06%0.68%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.11%
Q4 20240.08%
Q1 20250.30%
Q2 20250.41%
Q3 20250.43%
Q4 20250.40%
Q1 20261.30%
Q2 20260.89%
Return on assets
1.33%1.59%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.34%
Q4 20241.33%
Q1 20251.51%
Q2 20251.61%
Q3 20251.63%
Q4 20251.64%
Q1 20261.70%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$498.1M11.19%0.89%1.85%59.9%
Q1 202672$470.3M10.95%1.30%1.70%60.6%
Q4 202581$475.8M11.51%0.40%1.64%65.2%
Q3 202579$473.5M11.11%0.43%1.63%64.6%
Q2 202579$460.6M10.88%0.41%1.61%61.5%
Q1 202580$455.4M11.01%0.30%1.51%59.5%
Q4 202478$459.6M10.23%0.08%1.33%61.0%
Q3 202480$457.5M10.81%0.11%1.34%60.0%
Q2 202482$436.4M11.16%0.06%1.34%59.4%

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 ratio11.19%
54th
Total risk-based capital0.00%
24th
Problem loans0.89%
31st
Net charge-offs-0.00%
77th
Return on assets1.85%
82nd
Net interest margin2.99%
10th
Efficiency ratio40.5%
95th
Loans to deposits59.9%
83rd
Uninsured deposits25.8%
43rd
Loan-loss reserves1.51%
79th
Texas ratio4.3%
39th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Equitable BankBank Grand Island, NE72 out of 100, Strong$523.5M10.4%0.01%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%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
Nebraska BankBank Dodge, NE73 out of 100, Strong$551.6M11.4%0.43%vs
Five Points Bank of HastingsBank Hastings, NE72 out of 100, Strong$551.7M10.9%0.11%vs

Deposit insurance

Is my money safe at FirstBank of Nebraska?

Yes. FirstBank of Nebraska is an FDIC-insured institution (FDIC certificate #5486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.8% of deposits ($100.5M) 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 11.19%, 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

4 locations

Branches

FirstBank of Nebraska lists 4 offices in 4 cities. Most locations:

  • Burchard, NE (1)
  • Sterling, NE (1)
  • Syracuse, NE (1)
  • Wahoo, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, FirstBank of Nebraska reported 130 home-loan applications under HMDA (LEI 254900PO1C5ZTB4V4859): 123 originated ($24,335,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.8%, 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
FirstBank of Nebraska
Former names
The First National Bank of Wahoo
Type
State-chartered bank (Fed member)
FDIC certificate #
5486
RSSD ID
540056
Primary regulator
FED
Holding company
Bank Management Inc
Established
July 15, 1882
Headquarters
201 E 5th St, Wahoo, NE 68066
Employees
41

Quick answers

FirstBank of Nebraska: common questions

Is FirstBank of Nebraska FDIC insured?

Yes. FirstBank of Nebraska is an FDIC-insured institution (FDIC certificate #5486). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is FirstBank of Nebraska's TellerScore?

77 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 FirstBank of Nebraska ever failed?

There is no failure record for FDIC certificate #5486 in the FDIC failed bank list.

How many branches does FirstBank of Nebraska have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wahoo

InstitutionScoreAssetsCapitalProblem loansCompare
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Platte Valley BankBank North Bend, NE88 out of 100, Very strong$107.2M13.9%0.19%vs
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs