First Bank of Utica

Overview / Commentary
785 D Street
Utica, NE 68456

First Bank of Utica is headquartered in Utica and is the 118th largest bank in the state of Nebraska. It is also the 4,486th largest bank in the nation. It was established in 1882 and as of December of 2019, it had grown to 15 employees at 4 locations. First Bank of Utica has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Bank of Utica has a relatively low asset base.

Health Grade Components

FDIC Certificate #14281
Year Established1882
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD5.87%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$67.7MM$67.5MM
LoansQ4 2019vs Q4 2018$59.1MM$57.8MM
DepositsQ4 2019vs Q4 2018$55.4MM$55.2MM
Equity CapitalQ4 2019vs Q4 2018$8.5MM$8.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.1MM$971.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$657.00K$661.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$74.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank of Utica Savings Account Rates

0.05%--Regular Savings
0.05%--Health Savings Account

First Bank of Utica Money Market Rates

0.20%*$100k*-Money Market Account
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $100k

First Bank of Utica Checking Account Rates

0.05%$700-NOW Checking
0.05%$700-Super NOW Checking

First Bank of Utica CD Rates

1.00%$1k-60 Month CD
0.95%$1k-48 Month CD
0.90%$500-36 Month CD
0.70%$500-30 Month CD
0.60%$500-24 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month CD
0.20%$500-182 Day CD
0.15%$500-91 Day CD

First Bank of Utica IRA Rates

1.00%$1k-60 Month Fixed IRA
0.70%$500-30 Month Fixed IRA
0.40%$500-12 Month Fixed IRA

First Bank of Utica Locations
Bank Of Friend Branch104 S Cherry StFriend, NE 68359
Cordova Branch390 Hector P.o. Box 77Cordova, NE 68330
First Bank Of Utica785 D StreetUtica, NE 68456
Milligan Branch407 7th StreetMilligan, NE 68406

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