# FIRST NEBRASKA BANK
VALLEY, NE · FDIC certificate 12248 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $371.4M | |
| Deposits | $329.9M | |
| Loans and leases | $254.0M | |
| Total equity | $34.5M | |
| Loans / deposits | 76.02% (p37 of band) | 82.04% |
| Liquid assets / assets | 26.06% (p53 of band) | |
| Uninsured deposits / deposits | 25.09% (p47 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.73% (p39 of band) | |
| FHLB advances / assets | 0.67% | |
| Tier 1 leverage | 10.32% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -11.05% (p40 of band) | -8.10% |
| AOCI / equity | -0.34% (p50 of band) | |
| ROA (annualized) | 1.42% (p59 of band) | 1.28% |
| Net interest margin | 4.50% (p83 of band) | 3.91% |
| Efficiency ratio | 66.55% (p66 of band) | |
| Noncurrent loans | 0.23% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p70 of band) | |
| Reserve coverage of noncurrent | 544.75% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 91.82% (p83 of band) | |
| Auto loans | $1.2M (0.45% of loans; DQ 2.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 1 | capital falling | uninsured deposits leaving |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 3 | noncurrent p90 |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, expense ratio p90, construction >100% equity |  |
| 2022-06 | 3 | securities losses >30% of equity | reserve under noncurrent, noncurrent p90, expense ratio p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 6 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2023-06 | 5 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2023-09 | 6 | uninsured deposits leaving |  |
| 2023-12 | 3 |  | securities losses >30% of equity, assets shrinking, uninsured deposits leaving |
| 2024-03 | 4 | assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 0 |  | construction >100% equity, capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2022-12-05 [KUVR - State investigating what could be Nebraska’s largest bank fraud - Rural Radio Network](https://news.google.com/rss/articles/CBMinAFBVV95cUxQRzRXWk0tZWI5SjBGbXRyd19wRWpzeDRMdWtPUUNJX3B2Um9wbVNUTVFKd0ZhS1N4dllCb1h0enBmcEhTQjF0aUhzRmhrUGRCQ05aaGp3a1VUeU8xcW1aTGJDZWFjRWpCZUtmR1p0UmJQeGZqOHdvckpxTFhTLURUcjd2QmkwaVlSTVN3YmwxRDBuVHJfbFcwZ2tEUTk?oc=5) · Rural Radio Network
- 2026-05-08 [KTIC 840 AM/98.3 FM/98.7 FM - Bankers Graduate from Leadership Program - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzTmxqNDRsZlV4ejM5XzV5NmpZVlI5aXhiNFUwVlJOX2gyTEpyeDVTemNseDFINkRET0VTMWZ4aWU1dVo0WDB2a0ItUkRaZWFvbGcydzQ3NlhlY005NDV5d3VUdTlzMU1mb0h5TUUtaDdsOVhBbkl6M090d2cxTFU?oc=5) · Rural Radio Network
- 2024-02-12 [Financial adviser who allegedly helped facilitate huge bank fraud still not charged - Nebraska Examiner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDZodVB6Nmk5N25zLTVJeEtlYmlBOXdBblFHa0lqVTU4YzF0LTRsWjd0dEtuYlpwWUdqbW1yRVVaeVQxVkQzUnhXZ25uMjFOMnZqS3VOaUhkYmF5UmNIWGhEWmE1RnBzRFdVbmxuMFkzNW9sQ1RUeEo2NWV3bC1ZUU1OcXhicC1rUjVyd3dIenJvbUltVFlnaXZPNXM5cnhLWnRjZFIxQ2E2LWMzbEQ4NzhXVGtDSHpFR2M1ZHVQRDg2QQ?oc=5) · Nebraska Examiner
- 2007-11-01 [Rhonda Schroeder Obituary (2007) - Fremont, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNNE5HRFV4YWRIWERoQWY5d21veXpSSHQtSXdhcG82UkhsQ0lxOGlsejNYallHNlhkdDFqYWtOYzQ5SmZDTUctZk0wRHVWUGxWRHFiYVRFcWo5dll4bm0wQ3Vta0xBeTJTbUNMOWFWMzlMUlY4Sk9vZ3lqMTFKQ0k0djBtMUxiYVhaanpVSU54eWE5RUZ5NlNPdkl3?oc=5) · legacy.com
- 2022-12-27 [Claims against estate of deceased Lincoln businessman now extend to Louisiana - Nebraska Examiner](https://news.google.com/rss/articles/CBMiugFBVV95cUxNT3g3d19hdFIzOUl3M3pOaHN1UTZNMmg5ZFBUNXZnVW84dzhTbVJXRTloS3NJSDdSMU02dUl6QzJnbzZuS3psV3NQQ2xUT0UzaXhHQjdQY3FiVXVlYTNrWXBtb2E3QmJCM19leVkwU3BnWEtYaXlIbmVFYVZlRk5ZdlhQSXJ0azBPTi1ibl8wT1BmVjNyOGo1LVdCbFlkUTJqWjhLTnFEZ0pzTFFKREZSeXdJLVRWUzFBMmc?oc=5) · Nebraska Examiner
- 2023-11-10 [Nehawka farmer ordered to pay $500,000, spend 30 days in jail for overstating assets - Nebraska Examiner](https://news.google.com/rss/articles/CBMiugFBVV95cUxOSXlNeG92UVRHcEpmcFh5MDRva29teEpIdUpXWU5kSzF5aWRtSFgtSURPQXRfb2ZDUVRJaGs3cGpIS2JjbXhWc3pobWdTNHVIN2ljMFBDTmNQYUNLbWo2VkNaSmIyaHZZT1NINHZCbUF3LTM5SkhZWjg0ZDlrSDNZcEZnckh4NnMyMlQxYTFkNzdFUms0ckxic2pFczRtX3NPRzFWcmhqY3l1VnF2MjBQRTA1ajB2Vi1HVmc?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12248 (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/24.json (key "12248", 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