# FIRST BANK OF BANCROFT
BANCROFT, NE · FDIC certificate 5380 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $27.5M | |
| Deposits | $23.5M | |
| Loans and leases | $13.4M | |
| Total equity | $3.9M | |
| Loans / deposits | 56.35% (p26 of band) | 72.79% |
| Liquid assets / assets | 49.95% (p78 of band) | |
| Uninsured deposits / deposits | 15.99% (p36 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.47% (p74 of band) | 11.81% |
| Unrealized securities loss / equity | -8.26% (p47 of band) | -7.16% |
| AOCI / equity | 6.66% (p69 of band) | |
| ROA (annualized) | 0.81% (p35 of band) | 1.07% |
| Net interest margin | 2.97% (p17 of band) | 3.81% |
| Efficiency ratio | 66.10% (p48 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.35% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 582.86% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 23.26% (p57 of band) | |
| Auto loans | $199,000 (1.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 4 | |

## Flags firing in the latest filing

- none

## 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 | 2 | charge-offs p90, deposits shrinking |  |
| 2012-06 | 0 |  | charge-offs p90, deposits shrinking |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | capital falling | uninsured deposits leaving |
| 2015-06 | 1 | uninsured deposits leaving | capital falling |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 3 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 0 |  | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 1 | deposits shrinking | assets shrinking |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2020-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 | NIM <2.5% | deposits shrinking, assets shrinking |
| 2023-12 | 3 | capital falling | securities losses >30% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | uninsured deposits leaving, capital falling |
| 2024-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 1 |  | NIM <2.5%, deposits shrinking, uninsured deposits leaving |
| 2025-06 | 1 | capital falling | assets shrinking |
| 2025-09 | 0 |  | capital falling |

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

- 2018-03-19 [Bancroft man sentenced for bank robbery and firearms charges - 1011now.com](https://news.google.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?oc=5) · 1011now.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5380 (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/4.json (key "5380", 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