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First Central Bank
Cambridge, NE · FDIC Certificate #10637 · Chartered 06/1
Total assets
$137.79M
Total deposits
$117.72M
Total equity
$15.92M
Net loans
$105.16M
Branches (offices)
3
Net income (YTD)
$935.00K
Rank: #3,401 of 4,213 U.S. banks by assets · #95 of 138 in Nebraska. Assets changed -3.2% and deposits -2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 11.80% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 11.55% |
| Tier 1 leverage ratio | 11.59% |
| Uninsured deposits (share of deposits) | 15.8% |
| Noncurrent loans (share of loans) | 3.47% |
| Net charge-offs (share of loans) | -0.12% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 50.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $53.00M | 50.4% | |
| Commercial & industrial | $16.25M | 15.4% | |
| Consumer / individual | $4.08M | 3.9% | |
| Construction & development | $3.36M | 3.2% | |
| Agricultural | $33.23M | 31.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $122.91M | $104.92M | $405.00K | $12.43M |
| Jun 2023 | $129.93M | $111.74M | $969.00K | $13.30M |
| Jun 2024 | $132.44M | $113.09M | $1.37M | $14.75M |
| Jun 2025 | $142.33M | $120.78M | $0 | $14.87M |
| Jun 2026 | $137.79M | $117.72M | $935.00K | $15.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $117.72M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $117.72M.
Similar-sized banks
Corydon State Bank ($138.02M) · Citizens State Bank ($137.74M)
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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