FirsTier Bank: how it compares with its peers
Against 35 NE banks with half to twice its assets, FirsTier Bank's strongest measure in Q2 2026 is net interest margin (3.53% vs. a 3.75% peer median). Its weakest relative measure is efficiency ratio (81.84% vs. 59.95%).
| Measure | FirsTier Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.25% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.53% | 3.75% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 81.84% | 59.95% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $8.2M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.78% | 88.04% | Context |
What it means for lending operations
Its efficiency ratio of 81.84% is above the 59.95% 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
- Cornhusker Bank Lincoln, NE · $1.05B
- Farmers and Merchants Bank Milford, NE · $1.05B
- Nebraskaland Bank North Platte, NE · $1.06B
- Core Bank Omaha, NE · $1.07B
- Access Bank Omaha, NE · $1.10B
- Dundee Bank Omaha, NE · $976M
Questions about FirsTier Bank
How big is FirsTier Bank?
FirsTier Bank, established in 1955, is headquartered in Kimball, NE. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is FirsTier Bank's return on assets?
0.77% annualized in Q2 2026, against a 1.25% median for 35 NE banks with half to twice its assets, ahead of 6% of them.
What is FirsTier Bank's efficiency ratio?
81.84% in Q2 2026: it spent about 82 cents in noninterest expense for each dollar of revenue. The peer median is 59.95%, and lower is better.
Is FirsTier Bank growing its loans?
Net loans grew 1.7% over the year to Q2 2026, while deposits shrank 1.2%.
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.