# FIRST CENTRAL BANK
CAMBRIDGE, NE · FDIC certificate 10637 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $137.8M | |
| Deposits | $117.7M | |
| Loans and leases | $106.6M | |
| Total equity | $15.9M | |
| Loans / deposits | 89.34% (p78 of band) | 73.59% |
| Liquid assets / assets | 19.98% (p22 of band) | |
| Uninsured deposits / deposits | 15.80% (p35 of band) | 19.81% |
| Brokered deposits | 11.25% | |
| Wholesale funding | 13.28% (p89 of band) | |
| FHLB advances / assets | 2.03% | |
| Tier 1 leverage | 11.59% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -2.36% (p69 of band) | -6.57% |
| AOCI / equity | -0.40% (p49 of band) | |
| ROA (annualized) | 1.34% (p60 of band) | 1.17% |
| Net interest margin | 4.21% (p64 of band) | 3.93% |
| Efficiency ratio | 62.86% (p42 of band) | |
| Noncurrent loans | 3.47% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | -0.09% (p3 of band) | |
| Reserve coverage of noncurrent | 37.52% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 21.13% (p54 of band) | |
| Auto loans | $2.3M (2.19% of loans; DQ 1.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | wholesale funding >15% |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 1 |  | brokered >10%, capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | brokered >10%, uninsured deposits leaving |  |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | uninsured deposits leaving |  |
| 2015-06 | 2 |  | uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 2 |  | reserve under noncurrent |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | uninsured deposits leaving |  |
| 2018-12 | 2 |  | uninsured deposits leaving |
| 2019-03 | 6 | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 5 |  | capital falling |
| 2019-12 | 4 |  | charge-offs p90 |
| 2020-03 | 5 | uninsured deposits leaving |  |
| 2020-06 | 5 | charge-offs p90 | uninsured deposits leaving |
| 2020-09 | 5 |  |  |
| 2020-12 | 6 | uninsured deposits leaving |  |
| 2021-03 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | capital falling |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 |  |  |
| 2022-06 | 3 |  | wholesale funding >15%, capital falling |
| 2022-09 | 4 | wholesale funding >15% |  |
| 2022-12 | 3 | charge-offs p90 | brokered >10%, wholesale funding >15% |
| 2023-03 | 4 | brokered >10%, capital falling | charge-offs p90 |
| 2023-06 | 2 |  | brokered >10%, capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 7 | brokered >10%, wholesale funding >15%, capital falling, losing money, charge-offs p90 |  |
| 2025-06 | 6 |  | losing money |
| 2025-09 | 5 |  | capital falling |
| 2025-12 | 5 |  |  |
| 2026-03 | 4 |  | charge-offs p90 |
| 2026-06 | 3 |  | wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

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- 2023-10-13 [New Trust Fund to Improve Public Asset Management Supports First Beneficiary, Kosovo - World Bank Group](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOZVlNZzF0QXQyYXctZUVYRjJGdlZUb0hIb0M3cFo0alJsUjNUVVR4V05nVzQ4aXJlc0s4ZWlTM0w1TkNLUmhpYVNxa1pPYUhUdXozYURHZVlLNDhXeGR5TkVTOHE5TkVKY1E2U1VrNHBRdzg2a05yM2ljOG1fNC14U3l1QldhbzRWWWxkcVExN0R2VVk1M093ZzNkZXBXYWtoSjUybko1bEZGa1h0V0Y2STBEcS1HUC15ZVVwTk94clJwRTRzUG9yUVQydUxxcjY4WW05LUd5OVNmZw?oc=5) · World Bank Group
- 2024-06-22 [Swiss central bank undertakes ‘world first’ tokenised ‘monetary policy operation’ - Global Government Finance](https://news.google.com/rss/articles/CBMihwFBVV95cUxQOUlIdXBRMVRQYTVYeXBtVjF5SWluMjVDOUJkR1BGcW1jeEhuRUxUc2ZBR21KQ3lQVjNSTUNBMUl3MEd5X0Q1RWZXTUNxMFppQXM2a0EzT2lHTGlGRGhISDlZY3ViQUVqd1hjZjhSVTBLMFdUeWRIV3o0aDY1d3BFWWN3cXpTWk0?oc=5) · Global Government Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10637 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "10637", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide