# FIRSTIER BANK
KIMBALL, NE · FDIC certificate 17478 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.05B | |
| Deposits | $883.2M | |
| Loans and leases | $816.9M | |
| Total equity | $122.9M | |
| Loans / deposits | 90.78% (p62 of band) | 87.10% |
| Liquid assets / assets | 18.09% (p37 of band) | |
| Uninsured deposits / deposits | 32.52% (p55 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.86% (p34 of band) | |
| FHLB advances / assets | 2.86% | |
| Tier 1 leverage | 11.43% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | -1.03% (p88 of band) | -7.75% |
| AOCI / equity | -1.01% (p18 of band) | |
| ROA (annualized) | 0.77% (p18 of band) | 1.26% |
| Net interest margin | 3.53% (p39 of band) | 3.70% |
| Efficiency ratio | 81.84% (p94 of band) | |
| Noncurrent loans | 4.51% (p99 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 41.03% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 166.61% (p99 of band) | |
| Auto loans | $2.2M (0.27% of loans; DQ 2.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 147 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 | capital falling | expense ratio p90 |
| 2011-12 | 7 | expense ratio p90 |  |
| 2012-03 | 4 |  | losing money, capital falling, expense ratio p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | noncurrent p90, construction >100% equity |
| 2013-03 | 3 | noncurrent p90, construction >100% equity | charge-offs p90 |
| 2013-06 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90, construction >100% equity |
| 2013-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | construction >100% equity |  |
| 2020-03 | 1 |  | construction >100% equity |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 2 | construction >100% equity |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent | capital falling |
| 2022-03 | 3 |  | charge-offs p90 |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 2 |  | reserve under noncurrent |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | noncurrent p90 |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | uninsured deposits leaving |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | loans exceed deposits, deposits shrinking |  |
| 2025-03 | 3 |  | loans exceed deposits, deposits shrinking |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | charge-offs p90 |  |
| 2026-03 | 5 | expense ratio p90 | charge-offs p90 |
| 2026-06 | 4 |  | capital falling |

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

- 2026-05-14 [FirsTier Bank names Ellis new CFO - bizwest.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE8xcS1rSlY4bmdUcE1fRUc1eERtbUZ0MzEweExZSmJYUXJST2RzdWg1b05aWFJYU2ZLSlFYTm1CRnRvMld0R2xmbjJ4Ym5ibTl3NWhfaFVhcVROMnRDRWw4REc2RVRWaXlWZTdYQlQ1cXd6ZW8?oc=5) · bizwest.com
- 2026-01-28 [FirsTier Bank opens Boulder branch, names market president - bizwest.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRGFmY1JjTDZ2ZDN1c3NYSUFfUnNfaVFzWGU2WG5IdG1NcXhVR3ZLMm5SU3RqbU1VQmU1dk5JRWEtZGRUdXRyMUpiR216RTJkTzJ3dkZxRzF2N25PZnRFb0VkTGNDbkxCS0NtQVEzVm1rWVpybG9DLU9CWmxJeldzMGowNnRDaEhFcDVsLWtIaGx5dHc?oc=5) · bizwest.com
- 2025-08-25 [FirsTier Bank resurfaces in Colorado, hits $1B in assets after being shutdown in 2011 - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVUhEX19oOEJhSTcwMkZrMU9Jb2dRNTROR3k4enI2Q25qTUpJdXJJRDJDV2hPUEp3RWlpZWF5Z0gtZWlQZkN0c2N6d3FNUm83WTdWa19uRDM2VklUeWxHTXB2RWRFLXIwSDhnOVlJVXlFUU1jaUcxbUtTRGFfbVB5bHNCWGt2M0lGQmMtT1lwQ2JfSjZkMTJLUFpjZw?oc=5) · The Business Journals
- 2025-05-07 [Nebraska-born bank to expand into Fort Collins with new Old Town branch - The Coloradoan](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOVFQya2dwTVlROXN6RFpRWlZ0TEEwaWlpalk4MFZHS1JFSG5yRWxBNWRJcHVUOG5sVHVWUWVxWUlaOHh5cmVmSGNPUk5lTHU1eEZGdzVnX21mdldOR0pCN1JjWUhmSk9YbXZ3U3NSREd2LXlRaWpwUnZrUWdoVE9rSC1LN3RrTEdIc0RwQ2hZazlXcGhremE5ZFhEWWxLcnFCc3hvVlRPZVJKUURpTTBmNTBBb0xGaEQxVWNaUGdtdVRRam1uT0c3Uk5mUVNfOGhDRjRRYlowX3ZBM3ZqUXVwaVV3?oc=5) · The Coloradoan
- 2011-02-04 [FirsTier 2nd try ends in failure - The Denver Post](https://news.google.com/rss/articles/CBMie0FVX3lxTE9vMHlwc0ZYSGtkLURubW9xX3loMmVGWm9pR2dXNkUyc201d3Z0LTdhNVpDVWIzWVFkaDlUM2cwQUJsZjZqOHd4Z3Y2cVIzTk9oZnZ1M3pjOFRoRUJ1cktWX1JEUXVoX3Z6UDNoMHAzMUxZUnZGVHVDUUVGRQ?oc=5) · The Denver Post
- 2022-08-27 [David Rismiller Obituary (2022) - Omaha, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNzBfbVFWbm1yWEFXRll1ckE4d2U3Nlk3alJETWxrRXgtOF9lMjh3NG5tbC0zUnh1NmhtMXJqUVVXTzVrQUhlQmdKSlppX25ERG9mSGx4RG1fTm1ZRXNVTVhxWnFzS0hueWxYUDFMTjhyYUNaLTFxaHZGdnJLQnM3RzI0cml2VGQwdS1FV0pTaXJrQWRX?oc=5) · legacy.com
- 2025-05-06 [FirsTier Bank hires leaders for Fort Collins branch opening in June - bizwest.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQWmNhTy1WaXZYUWVhQlI4eDBxTjJUMENHak1SblNMX3ptMXdjV3lLaWh2OVBaX1NzRUdRV1lySHpnczRVejZHZnBYSS1sbFlvSHlyRHRfMUpGbS0wRUUycjFzZ1pyZTh4cmExVEppLWJxQ1NKN28yeFkxb2FWY0dnQ1drOWJsUmUxQ25vVjNLN2tDY1VmdnNnY21XZ1lrdHJp?oc=5) · bizwest.com
- 2016-01-22 [Robert Barrett Obituary - Kimball, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNanViblRDd2RGU0I2S1dERERVYXNZaVVHdjBQQVY4ZTVmQnRFTmszX1pqSmJyWGFSM2VBNHpHbUtMc2ZPZDduOXkwN3Z2VFNzRWJMZUQwNi1hQ0RIVlRLa3g4azVJRGktU2QyV0pHMUswZWxiYjZ6VHpCZjFBZlRFbkJR?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17478 (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/6.json (key "17478", 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