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201 North Dewey Street
North Platte, NE 69101

First National Bank (5449) is headquartered in North Platte and is the 20th largest bank in the state of Nebraska. It is also the 1,504th largest bank in the nation. It was established in 1886 and as of December of 2013, it had grown to 111 employees at 5 locations. First National Bank (5449) has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First National Bank (5449) had $1.43 million in non-current loans and owned real-estate with $36.49 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (5449) a Texas Ratio of 3.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First National Bank (5449) experienced no significant changes from 2.66% as of December 31, 2012 to 3.92% as of December 31, 2013, resulting in a negative change of 47.30%. This indicates that the balance sheet and financial strength for First National Bank (5449) has had no significant changes in recent periods.

Deposit Growth


In the past year, First National Bank (5449) has decreased its total deposits by -$6.82 million, resulting in -1.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank (5449) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank (5449) has $442.08 million in assets with $36.49 million in equity, resulting in a capitalization level of 8.25%, which is average.

Institution Statistics

FDIC Certificate #5449
Year Established1886
Primary RegulatorOCC
Assets and Liabilities
Assets$442.09 million
Loans$321.06 million
Deposits$384.72 million
Equity Capital$33.51 million
Loan Loss Allowance$2.98 million
Unbacked Noncurrent Loans$970,000
Real Estate Owned$460,000
Historic Data - December 2012
Assets$457.92 million
Equity Capital$35.74 million
Loan Loss Allowance$2.98 million
Unbacked Noncurrent Loans$970,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.35%
Return on Assets0.63%
Return on Equity8.29%
Interest Income$15.12 million

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First National Bank (5449) Locations
Alliance Branch124 West Third StreetAlliance, NE 69301
Scottsbluff Branch1926 BroadwayScottsbluff, NE 69361
First National Bank201 North Dewey StreetNorth Platte, NE 69101
South Branch220 East Philip AvenueNorth Platte, NE 69101
Chadron Branch315 West 3rd StreetChadron, NE 69337