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First Central Bank Mccook
Mccook, NE · FDIC Certificate #34995 · Chartered 01/0
Total assets
$122.77M
Total deposits
$105.78M
Total equity
$13.85M
Net loans
$99.14M
Branches (offices)
2
Net income (YTD)
$410.00K
Rank: #3,506 of 4,213 U.S. banks by assets · #98 of 138 in Nebraska. Assets changed -2.8% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.66% |
| Return on equity | 5.98% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 11.28% |
| Tier 1 leverage ratio | 11.30% |
| Uninsured deposits (share of deposits) | 9.6% |
| Noncurrent loans (share of loans) | 5.80% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 55.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $54.78M | 55.3% | |
| Commercial & industrial | $11.87M | 12.0% | |
| Consumer / individual | $4.28M | 4.3% | |
| Construction & development | $7.45M | 7.5% | |
| Agricultural | $29.42M | 29.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $127.80M | $107.20M | $754.00K | $14.71M |
| Jun 2023 | $143.00M | $124.73M | -$1.18M | $12.87M |
| Jun 2024 | $123.55M | $103.50M | $129.00K | $13.50M |
| Jun 2025 | $126.32M | $106.45M | -$143.00K | $12.58M |
| Jun 2026 | $122.77M | $105.78M | $410.00K | $13.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $105.78M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $105.78M.
Similar-sized banks
Farmers Building And Savings Bank ($122.89M) · G. W. Jones Exchange Bank ($122.76M)
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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