First Central Bank

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.firstcentral.com

308-697-4344

623 Patterson
Cambridge, NE 69022-0280

First Central Bank is headquartered in CAMBRIDGE and is the 91^st largest bank in the state of Nebraska. It is also the 3,467^th largest bank in the nation. It was established in 1907 and as of March of 2025, it had grown to 26 employees at 3 locations. First Central Bank has a C health rating.

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Health

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	10637
Year Established	1907
Employees	26
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.44%
Return on Equity - YTD	4.01%
Annual Interest Income	$2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$140.7MM$132.9MM
Loans	Q1 2025vs Q1 2024	$104.9MM$100MM
Deposits	Q1 2025vs Q1 2024	$119.3MM$113.8MM
Equity Capital	Q1 2025vs Q1 2024	$15.1MM$14.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$994K$2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.5MM$2.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$363K$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for First Central Bank.

Locations

First Central Bank Locations
Edison Branch	322 Main Street	Edison, NE 68936
Arapahoe Branch	415 Nebraska Avenue	Arapahoe, NE 68922
First Central Bank	623 Patterson St	Cambridge, NE 69022
First Central Bank Mccook	904 N Highway 83	Mccook, NE 69001
Curtis Branch	302 Center Avenue	Curtis, NE 69025

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