First State Bank Nebraska: how it compares with its peers
Against 31 NE banks with half to twice its assets, First State Bank Nebraska's strongest measure in Q2 2026 is return on assets (1.51% vs. a 1.25% peer median). Its weakest relative measure is net interest margin (3.53% vs. 3.70%).
| Measure | First State Bank Nebraska | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.25% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 3.70% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.07% | 59.95% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $8.2M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.82% | 88.71% | Context |
What it means for lending operations
Its efficiency ratio of 54.07% is better than the 59.95% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Access Bank Omaha, NE · $1.10B
- Core Bank Omaha, NE · $1.07B
- Nebraskaland Bank North Platte, NE · $1.06B
- BankFirst Norfolk, NE · $1.21B
- Farmers and Merchants Bank Milford, NE · $1.05B
- Cornhusker Bank Lincoln, NE · $1.05B
Questions about First State Bank Nebraska
How big is First State Bank Nebraska?
First State Bank Nebraska, established in 1912, is headquartered in Lincoln, NE. It reported $1.13B in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is First State Bank Nebraska's return on assets?
1.51% annualized in Q2 2026, against a 1.25% median for 31 NE banks with half to twice its assets, ahead of 68% of them.
What is First State Bank Nebraska's efficiency ratio?
54.07% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 59.95%, and lower is better.
Is First State Bank Nebraska growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.