The First National Bank of Johnson: how it compares with its peers
Against 48 NE banks with half to twice its assets, The First National Bank of Johnson's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $8.0M peer median). Its weakest relative measure is net interest margin (2.54% vs. 3.87%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.52% | 1.31% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.54% | 3.87% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.95% | 63.00% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $8.0M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.75% | 80.77% | Context |
What it means for lending operations
Its efficiency ratio of 79.95% is above the 63.00% 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
- Bank of Lindsay Lindsay, NE · $98M
- First Bank and Trust Company Minden, NE · $91M
- Chambers State Bank Chambers, NE · $89M
- Thayer County Bank Hebron, NE · $88M
- Siouxland Bank South Sioux City, NE · $88M
- Bank of Elgin Elgin, NE · $87M
Questions about The First National Bank of Johnson
How big is The First National Bank of Johnson?
The First National Bank of Johnson, established in 1906, is headquartered in Johnson, NE. It reported $96M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Johnson's return on assets?
0.52% annualized in Q2 2026, against a 1.31% median for 48 NE banks with half to twice its assets, ahead of 10% of them.
What is The First National Bank of Johnson's efficiency ratio?
79.95% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 63.00%, and lower is better.
Is The First National Bank of Johnson growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits grew 3.8%.
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.