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4915 Old Cheney Road
Lincoln, NE 68516

First State Bank Nebraska is headquartered in Lincoln and is the 20th largest bank in the state of Nebraska. It is also the 1,624th largest bank in the nation. It was established in 1912 and as of March of 2014, it had grown to 107 employees at 16 locations. First State Bank Nebraska's savings rates are 25% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First State Bank Nebraska had $6.09 million in non-current loans and owned real-estate with $50.72 million in equity and loan loss allowances on hand to cover it. This gives First State Bank Nebraska a Texas Ratio of 12.00% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First State Bank Nebraska experienced no significant changes from 13.03% as of March 31, 2013 to 12.00% as of March 31, 2014, resulting in a positive change of 7.87%.This indicates that the balance sheet and financial strength for First State Bank Nebraska has had no significant changes in recent periods.

Deposit Growth


In the past year, First State Bank Nebraska has increased its total deposits by $11.13 million, resulting in 3.38% 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 State Bank Nebraska has shown is excellent.



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 State Bank Nebraska has $412.54 million in assets with $50.72 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

Institution Statistics

FDIC Certificate #13868
Year Established1912
Primary RegulatorFED
Assets and Liabilities
Assets$412.54 million
Loans$305.52 million
Deposits$340.32 million
Equity Capital$46.96 million
Loan Loss Allowance$3.76 million
Unbacked Noncurrent Loans$5.48 million
Real Estate Owned$613,000
Historic Data - March 2013
Assets$401.01 million
Equity Capital$45.97 million
Loan Loss Allowance$3.38 million
Unbacked Noncurrent Loans$5.48 million
Real Estate Owned$830,000
Profit Margin - Quarterly
Return on Assets1.09%
Return on Equity9.52%
Interest Income$4.02 million

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First State Bank Nebraska Savings Account Rates

0.65%$5k-HSA Accounts
0.40%--Variable Rate IRA
0.10%$75k-Investment Savings

First State Bank Nebraska Money Market Rates

0.20%$100k-Money Market

First State Bank Nebraska Checking Account Rates

2.17%-$25kFirst Rate Checking - Qualifying
0.20%$100k-Good Timers
0.10%$2k-NOW Account
0.10%$2k-Business Interest Account
0.10%--First Rate Checking - Non Qualifying

First State Bank Nebraska CD Rates

1.11%$5k-60 Month CD
0.95%$5k-48 Month CD
0.65%$5k-36 Month CD
0.60%$5k-30 Month CD
0.50%$5k-24 Month CD
0.30%$5k-18 Month CD
0.25%$5k-12 Month CD
0.15%$5k-1 Month CD
0.15%$5k-2 Month CD
0.15%$5k-6 Month CD
0.10%$500-3 Month CD

First State Bank Nebraska has 15 locations. Click to view all First State Bank Nebraska locations.