First Bank of Utica: how it compares with its peers
Against 45 NE banks with half to twice its assets, First Bank of Utica's strongest measure in Q2 2026 is net interest margin (4.40% vs. a 3.80% peer median). Its weakest relative measure is efficiency ratio (80.53% vs. 63.72%).
| Measure | First Bank of Utica | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.63% | 1.33% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.80% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.53% | 63.72% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.9M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.44% | 77.00% | Context |
What it means for lending operations
Its efficiency ratio of 80.53% is above the 63.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Tri County Bank Swanton, NE · $78M
- Commercial State Bank Republican City, NE · $76M
- Nebraska State Bank Oshkosh, NE · $74M
- CerescoBank Ceresco, NE · $81M
- Clarkson Bank Clarkson, NE · $81M
- Battle Creek State Bank Battle Creek, NE · $71M
Questions about First Bank of Utica
How big is First Bank of Utica?
First Bank of Utica, established in 1882, is headquartered in Utica, NE. It reported $77M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Bank of Utica's return on assets?
0.63% annualized in Q2 2026, against a 1.33% median for 45 NE banks with half to twice its assets, ahead of 16% of them.
What is First Bank of Utica's efficiency ratio?
80.53% in Q2 2026: it spent about 81 cents in noninterest expense for each dollar of revenue. The peer median is 63.72%, and lower is better.
Is First Bank of Utica growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits shrank 0.1%.
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.