# FIRST NATIONAL BANK
NORTH PLATTE, NE · FDIC certificate 5449 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**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 | $442.1M | |
| Deposits | $384.7M | |
| Loans and leases | $324.0M | |
| Total equity | $33.5M | |
| Loans / deposits | 83.45% (p63 of band) | 77.63% |
| Liquid assets / assets | 23.39% (p35 of band) | |
| Uninsured deposits / deposits | 17.16% (p45 of band) | 18.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.31% (p41 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.39% (p5 of band) | 9.92% |
| Unrealized securities loss / equity | -0.89% (p55 of band) | -1.24% |
| AOCI / equity | -2.45% (p59 of band) | |
| ROA (annualized) | 0.63% (p33 of band) | 0.83% |
| Net interest margin | 3.35% (p34 of band) | 3.59% |
| Efficiency ratio | 76.70% (p68 of band) | |
| Noncurrent loans | 0.58% (p29 of band) | 1.18% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | 158.48% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 9.08% (p16 of band) | |
| Auto loans | $7.6M (2.34% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 111 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |

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

- 2026-08-27 [First National Bank celebrates new branch with ribbon cutting - SiouxFalls.Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY0swM1owcnh1Ny1RNTZaeVFMMlNQbUNzT3B6RXp5NWw4VFZIWDlZbnRpUnR2S2FEZE1SbENYMkE5MzcxQVVONFppRG5MY09JVnpwMTd0LWo3eFJzWFhpTFdYSF84ODl2NndMX1hYemFXS3h6NHQ4bnA4U0k3ZmttMk5FMmxaTjR2eVVva2NNQzFISFQ4?oc=5) · SiouxFalls.Business
- 2026-09-03 [The First National Bank & Trust Co. announces new name: Brooks Bank - The Newcastle Pacer](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQOGV5ZDJ4YlMyVWU0Nk9NejJ3R1pzd0o1a0NmQi1SdTBCTXVBOHJoVVE0clc3QVowOW56dU5LSjhoRWZtVE52MjhYWDZVbEhBV2l5VGhDR3licmhxUGVGbUdXYm5lcDBTUGtZV0Y4XzhoZS1HSHBmRkJHOW5mVW5hY011eEFwU3QyY1pzLVQ2V3JPcUZCb0FFVFB1amIwa0RxNTdRRW0xdUdtdUU?oc=5) · The Newcastle Pacer
- 2026-09-01 [First National Bank Arena unveils new lighting, court upgrades - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMimwFBVV95cUxNSHkwNW9kMEdJUEFyQmo1U3FpeTRpTmpPWjhmT092STI0RmxVeWJuMjJPRFROMGl4czV6TWpJaGxVNlg3WE1sM2pkbG11Q3lFd1BwVHFJWDFyTTZ2UlRYMFBaR2VQcm9BVTNaSnQzbkZmVmFpZU5PTGV0VExLb1kwWXdyUUx5MlJVeXZNbUJPakhfV0wwY2NGQVRlONIBrwFBVV95cUxNWkNzYUNXZHJLVHNWZW1ha0FJU3JpWEVCaXktd1VLa2h3T2RYclBkb29TYjBIYXpkV3VGaGdmdEt2MXZnTHVhWGhDWGVQLVRKa2tFd3JBdG53aVJVbG1GZlJCMVFFYU9VTTR1dldlVDVSSjRURkl1T0hjS29PN1RkUWxyMXBBZEFEOWhuZGV1N2hqZzgxRmRwVENyM0pXX3h0V1F6NTItVkQ5b2J3U3Y0?oc=5) · K8 News | Jonesboro, Arkansas
- 2026-09-02 [FNBO to Acquire InBank, Expand Colorado Market - Business Wire](https://news.google.com/rss/articles/CBMipAFBVV95cUxPZjNaSU1lanNISzJ2eXZiUE5EaXdoUFcwMmFTd0FNNTBYZlNoOGc1YWpUQ1hlVjRJYkNaODdXNTBUZEF2M2ZHaGNENkVYQXc3MG4yQmVzM3lWOU5DdVhjVUV2clVGUW1qRDQ5amRBQWhHTk1JLW1CbVAzb2ZRNzNteHh3Tk43UjVrYVg4VG9RYUEtQ09hcXpjcVhYdndjQ1BuaUZxVw?oc=5) · Business Wire
- 2026-06-30 [Philadelphia’s First Bank of the U.S. reopens as a museum - WHYY](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSUhkSDdYQ3BFb2VYNW9mY1NMTEF3Q291RmZwb25uVXo2NjVDZktrOVFQZDhkNE1tblJ0QTVwVWliazdqeVpCUWdIZkc2RzZhenJheWlFb1JyTjRjbExMZXpjRGs2ckFtd0FIZEh0ZjM5MjZXelEyZm1Od2RtMUdLTGFrZ3o5bjh2cGR6R3pn?oc=5) · WHYY
- 2026-07-23 [New plan aims to revitalize long-vacant Greenfield bank into a food hub - Greenfield Recorder](https://news.google.com/rss/articles/CBMidkFVX3lxTE92VEVBOVFQdEdydlIzYW5Mb2JvRjRSVmhyNFYzTUNtdnJqbVlid01SWkNpaUVWVTVyaXRIekp4LUFrS3A3STJwRlhBWmpmM1M2Z1haU3RkYXc5cGdtd3BwNWJuNmhMM05POWI0Rm85Q0MtUVBWV0E?oc=5) · Greenfield Recorder
- 2026-09-02 [Denver-based InBank to be acquired by out-of-state institution - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxNQnhTV1phNW9sV21aclJpTFNEMV91eUFEQXpIYy1iNld3X2JNU3hTLW1oT2k5TjdLV0xHb1cxczlyVUdRT2NFTWMtR3RmWWdjWjZKek1lNnpQSmZwRGFRMFZhaFdEM3ZaSkxkWC1rRkw2aWRDSVlaNlJ1MnlyVk1fVVhLbzlINWhjWFdlNDZTbmRBZw?oc=5) · The Business Journals
- 2026-08-29 [First National Bank Arena Prepares for Fall Semester with New Upgrades - NEA Report](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTTlRMnJ1VmFyRHFiZTd4dDRINlFUR09vbzM3bEZnQlV6SnZVM24yMTdYQl85UVRBUzBybDRZWTRpZXVSRVROQlozazJmMlROdUEtMy1FYWRYTnllVzBGd2NXWlB4amUxeXlkWDRSQU1TTVNEOFdwc0FLNV9Qd1V2bEJReGZ6NzQxTkl1cjNsS3VMb3Eta2tkYjd3b2FmSUdEdXFhTVVnTQ?oc=5) · NEA Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5449 (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/9.json (key "5449", 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