First Bank of Utica

Overview / Commentary
785 D Street
Utica, NE 68456

First Bank of Utica is headquartered in UTICA and is the 111th largest bank in the state of Nebraska. It is also the 4,085th largest bank in the nation. It was established in 1882 and as of September of 2023, it had grown to 14 employees at 4 locations. First Bank of Utica's money market rates are 2X the national average, and it 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 - YTD1.42%
Return on Equity - YTD11.9%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$77.6MM$77.6MM
LoansQ3 2023vs Q3 2022$56.8MM$56.1MM
DepositsQ3 2023vs Q3 2022$59.4MM$63.4MM
Equity CapitalQ3 2023vs Q3 2022$9.9MM$9MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.1MM$1.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$342K$474K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Bank of Utica; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.40%--Regular Savings
0.25%--Health Savings Account

First Bank of Utica Money Market Rates

1.00%*$100k*-Money Market Account
OTHER TIERS: 0.50% $1k - $20k | 0.75% $20k - $100k

First Bank of Utica Checking Account Rates

0.40%*$20k*-Super NOW Checking
OTHER TIERS: 0.25% $700 - $1k | 0.30% $1k - $20k
0.25%$700-NOW Checking

First Bank of Utica CD Rates

2.32%$1k-60 Month Certificate
2.22%$1k-48 Month Certificate
2.07%$500-36 Month Certificate
1.86%$500-30 Month Certificate
1.81%$500-24 Month Certificate
1.61%$500-18 Month Certificate
1.51%$500-12 Month Certificate
1.21%$500-182 Day Certificate
0.90%$500-91 Day Certificate

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 StUtica, NE 68456
Milligan Branch407 7th StreetMilligan, NE 68406

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