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First State Bank
Farnam, NE · FDIC Certificate #12244 · Chartered 07/2
Total assets
$199.51M
Total deposits
$121.33M
Total equity
$23.62M
Net loans
$96.93M
Branches (offices)
5
Net income (YTD)
$1.65M
Rank: #2,979 of 4,213 U.S. banks by assets · #80 of 138 in Nebraska. Assets changed 7.5% and deposits 14.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 13.60% |
| Net interest margin (YTD) | 3.14% |
| Equity to assets | 11.84% |
| Tier 1 leverage ratio | 11.94% |
| Uninsured deposits (share of deposits) | 29.9% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 79.9% |
| Real estate loans (share of loans) | 68.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.06M | 68.1% | |
| Commercial & industrial | $7.59M | 7.8% | |
| Consumer / individual | $5.51M | 5.7% | |
| Construction & development | $1.32M | 1.4% | |
| Agricultural | $18.63M | 19.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $188.51M | $115.32M | $1.18M | $19.54M |
| Jun 2023 | $192.16M | $116.50M | $1.00M | $18.88M |
| Jun 2024 | $170.93M | $96.74M | $1.18M | $20.43M |
| Jun 2025 | $185.54M | $105.91M | $1.27M | $22.99M |
| Jun 2026 | $199.51M | $121.33M | $1.65M | $23.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $121.33M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $121.33M.
Similar-sized banks
Massena Savings And Loan ($199.86M) · Blue Ridge Bank ($199.45M)
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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