# FIRST STATE BANK NEBRASKA
LINCOLN, NE · FDIC certificate 13868 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.13B | |
| Deposits | $990.0M | |
| Loans and leases | $907.9M | |
| Total equity | $115.2M | |
| Loans / deposits | 90.82% (p63 of band) | 87.10% |
| Liquid assets / assets | 15.09% (p23 of band) | |
| Uninsured deposits / deposits | 15.63% (p10 of band) | 30.76% |
| Brokered deposits | 2.65% | |
| Wholesale funding | 4.96% (p46 of band) | |
| FHLB advances / assets | 2.31% | |
| Tier 1 leverage | 9.00% (p12 of band) | 10.50% |
| Unrealized securities loss / equity | -6.22% (p57 of band) | -7.75% |
| AOCI / equity | 0.24% (p88 of band) | |
| ROA (annualized) | 1.51% (p70 of band) | 1.26% |
| Net interest margin | 3.53% (p39 of band) | 3.70% |
| Efficiency ratio | 54.07% (p36 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 407.08% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 17.14% (p15 of band) | |
| Auto loans | $1.0M (0.11% of loans; DQ 0.38%, NCO 0.00%) | |
| Loans to nondepository financials | $13.6M (12% of equity) (p88 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 125 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 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
- 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
- 2017-01-20 [Meet Jeff Kanger, new associate director for pro-life and family - Catholic Diocese of Lincoln](https://news.google.com/rss/articles/CBMiugFBVV95cUxQRHdkVkVvc0M1Y2NuWG1KRVB5X1VRSmpONW01eGk0bUQ4dnFBcE9yek5QQldtTUc3NG1qSGFtejdaZE95aVdTUjhUWFZaTEFfakNfQ0s0dHRnRDE3Skh3S3NzR3FtUkx0c3FmcGhLMTRxeEp5bVVTSU94clVCQTNqNnA4MTN5YjZ3eFRRejktaDc5Vk4wb2hsNW5abV94NGVwZk1jS3l3RGR2Y3l4TGhlZmJTOE8yMlVWTHc?oc=5) · Catholic Diocese of Lincoln
- 2025-05-27 [Trudy Wickenkamp Obituary - Lincoln, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNU2RzUW5oMUswRGZwMUg4Y09BWGRvcFdQdldaaGNLRWFISzE3dmh0eVZ0LVhIWU1UMHJhWWRIdE9Hai1UbUl3aW1pQmtiXzMtcm5hLThTanRTSjJYZUJNR1N3ZzE1T3Y1ZXNPdXJDb1U2RXpNa0t3UUo3aXI1VVVzVTRaOUJNZw?oc=5) · Dignity Memorial
- 2023-01-25 [Judge tells parties seeking funds from Marshbanks estate to ‘work it out’ - Nebraska Examiner](https://news.google.com/rss/articles/CBMisgFBVV95cUxQQWp6TF9DWG0wTEwxbm9EWGRrUi0xVWpqM1dCcVE1RlNKakpfRlRvSDRNOUNCSkJ4bVFTeHBEZDUxNlh4b1ZOVjgtWUx3MjgyMmRZbWo4TVhyRXZsMDJNX2N2b0J3bms2YnU4SlJDVDJWYmRUbV9Va2MyYW1xVmRZLTl6TDdBZktMYlNwb1ptSndZWEhvakdadUM3UE5CemFyVTJVR2oza3Z2QlNCSUZsMmxn?oc=5) · Nebraska Examiner
- 2026-04-26 [KNEB-AM 960 AM – 100.3 FM - Nebraska Wildfires Ranchers Share Recovery Stories + Expert Advice for What’s Next - Rural Radio Network](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOMkN2U3dFUlV3Nm9Za1BzbHdrbEJja29GeTRJbWMybUg3ZFhuVlFzM0REQkl3YWczU1R0djdXTDh1WnhEUU5CMWZlSjlwcHBpWkhObkJqdnh2Q1o4d3lMeS1rTVgtT1RucF9kQVVGRzBOR081Qm9wTW5EbDZUN0hqRWN1S2NaMS1mN1ptcW9iYklSNnA4LVo0ZV91UU5NYzNoT1VlQ2NIVkFaMnhSUnZZRm5lSjc4Mms1?oc=5) · Rural Radio Network
- 2015-09-28 [Harley Bergmeyer Obituary (2015) - Beatrice, NE - Beatrice Daily Sun - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPYmEyN2xBY3RLZnhxV25vaHlOV2tZQzc1aS1uNXNRSlRhdkVweE9nZEFMMnFJT0NzRmwxTXo0Y2pUb3N0and5dlNKa2E0ekc2N3IxMGxQQXNPSFEtTnpScE1sQ0dUNU4yaS1NUVRyQ2ZNbmk3a0sxNDM3bldaRWVDQXFjSjVUQ3EtQm9MQ1pUdW1Kb2NERERERUpMQlk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13868 (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/44.json (key "13868", 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