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Overview / Commentary
800-264-5578
4915 Old Cheney Road
Lincoln, NE 68516

First State Bank Nebraska is headquartered in Lincoln and is the 23rd largest bank in the state of Nebraska. It is also the 1,641st largest bank in the nation. It was established in 1912 and as of December of 2013, it had grown to 112 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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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 State Bank Nebraska had $5.86 million in non-current loans and owned real-estate with $50.41 million in equity and loan loss allowances on hand to cover it. This gives First State Bank Nebraska a Texas Ratio of 11.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for First State Bank Nebraska experienced no significant changes from 11.22% as of December 31, 2012 to 11.63% as of December 31, 2013, resulting in a negative change of 3.62%. This indicates that the balance sheet and financial strength for First State Bank Nebraska has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, First State Bank Nebraska has increased its total deposits by $19.3 million, resulting in 6.16% 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.

Capitalization

GRADE:
A+

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 $405.93 million in assets with $50.41 million in equity, resulting in a capitalization level of 12.42%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #13868
Year Established1912
Employees112
Primary RegulatorFED
Assets and Liabilities
Assets$405.93 million
Loans$314.21 million
Deposits$332.89 million
Equity Capital$46.71 million
Loan Loss Allowance$3.70 million
Unbacked Noncurrent Loans$5.10 million
Real Estate Owned$761,000
Historic Data - December 2012
Assets$400.61 million
Equity Capital$45.97 million
Loan Loss Allowance$3.46 million
Unbacked Noncurrent Loans$5.10 million
Real Estate Owned$886,000
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets1.13%
Return on Equity9.73%
Interest Income$16.29 million
Rates

Always verify rates and promotions with the bank or credit union. We are not First State Bank Nebraska, we are a rate comparison website and can not provide official rates or promotions.

First State Bank Nebraska Savings Account Rates

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

First State Bank Nebraska Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Money Market

First State Bank Nebraska Checking Account Rates

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

First State Bank Nebraska CD Rates

DetailsAPYMINMAXPRODUCT
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
Locations

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