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First Bank Of Utica
Utica, NE · FDIC Certificate #14281 · Chartered 01/0
Total assets
$77.37M
Total deposits
$62.44M
Total equity
$11.08M
Net loans
$58.35M
Branches (offices)
4
Net income (YTD)
$247.00K
Rank: #3,860 of 4,213 U.S. banks by assets · #115 of 138 in Nebraska. Assets changed 0.0% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 4.47% |
| Net interest margin (YTD) | 4.40% |
| Equity to assets | 14.32% |
| Tier 1 leverage ratio | 14.27% |
| Uninsured deposits (share of deposits) | 12.7% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 93.4% |
| Real estate loans (share of loans) | 51.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $30.29M | 51.9% | |
| Commercial & industrial | $6.43M | 11.0% | |
| Consumer / individual | $3.85M | 6.6% | |
| Construction & development | $994.00K | 1.7% | |
| Agricultural | $18.58M | 31.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $79.50M | $65.42M | $140.00K | $8.79M |
| Jun 2023 | $78.22M | $63.58M | $563.00K | $9.62M |
| Jun 2024 | $75.54M | $60.68M | $441.00K | $10.28M |
| Jun 2025 | $77.36M | $62.53M | $303.00K | $10.70M |
| Jun 2026 | $77.37M | $62.44M | $247.00K | $11.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $62.44M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $62.44M.
Similar-sized banks
Redemption Bank ($77.51M) · The Farmers State Bank ($77.19M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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