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307-632-3500
115 South Walnut
Kimball, NE 69145

FirsTier Bank is headquartered in Kimball and is the 51st largest bank in the state of Nebraska. It is also the 2,772nd largest bank in the nation. It was established in 1955 and as of December of 2013, it had grown to 55 employees at 6 locations. FirsTier Bank has a C health rating.

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Health

Data for Q4 2013

Institution Health

C

Texas Ratio

GRADE:
D

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 FirsTier Bank had $30.58 million in non-current loans and owned real-estate with $31.15 million in equity and loan loss allowances on hand to cover it. This gives FirsTier Bank a Texas Ratio of 98.15% which is below 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 FirsTier Bank experienced no significant changes from 89.54% as of December 31, 2012 to 98.15% as of December 31, 2013, resulting in a negative change of 9.62%. This indicates that the balance sheet and financial strength for FirsTier Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
D

In the past year, FirsTier Bank has decreased its total deposits by -$15.03 million, resulting in -7.02% 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 FirsTier Bank has shown is below average.

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. FirsTier Bank has $226.52 million in assets with $31.15 million in equity, resulting in a capitalization level of 13.75%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17478
Year Established1955
Employees55
Primary RegulatorFDIC
Assets and Liabilities
Assets$226.52 million
Loans$121.04 million
Deposits$199.14 million
Equity Capital$26.53 million
Loan Loss Allowance$4.62 million
Unbacked Noncurrent Loans$3.00 million
Real Estate Owned$27.58 million
Historic Data - December 2012
Assets$250.52 million
Equity Capital$25.43 million
Loan Loss Allowance$5.64 million
Unbacked Noncurrent Loans$3.00 million
Real Estate Owned$20.08 million
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets0.86%
Return on Equity7.83%
Interest Income$8.18 million
Rates

Sorry, we do not have rate data for FirsTier Bank

Locations


FirsTier Bank Locations
Firstier Bank Branch1015 2nd AvenueKearney, NE 68847
Firstier Bank115 South WalnutKimball, NE 69145
Firstier Bank Branch1508 StillwaterCheyenne, WY 82009
Firstier Bank Branch222 North Tyler StreetElm Creek, NE 68836
Firstier Bank Branch229 West 4th AvenueHoldrege, NE 68949
Firstier Bank Branch612 Pine StreetUpton, WY 82730