First Bank and Trust Company: how it compares with its peers
Against 48 NE banks with half to twice its assets, First Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $8.0M peer median). Its weakest relative measure is net interest margin (3.40% vs. 3.87%).
| Measure | First Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.31% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.40% | 3.87% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.89% | 63.00% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $8.0M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.34% | 79.39% | Context |
What it means for lending operations
Its efficiency ratio of 69.89% 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
- 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
- Scribner Bank Scribner, NE · $87M
- The First National Bank of Johnson Johnson, NE · $96M
Questions about First Bank and Trust Company
How big is First Bank and Trust Company?
First Bank and Trust Company, established in 1883, is headquartered in Minden, NE. It reported $91M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Bank and Trust Company's return on assets?
1.01% annualized in Q2 2026, against a 1.31% median for 48 NE banks with half to twice its assets, ahead of 27% of them.
What is First Bank and Trust Company's efficiency ratio?
69.89% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 63.00%, and lower is better.
Is First Bank and Trust Company growing its loans?
Net loans shrank 11.4% over the year to Q2 2026, while deposits shrank 3.3%.
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.