First Nebraska Bank

Headquarters

330 North Spruce Street
Valley, NE 68064
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.05% →
1-Year CD 0.55% 0.95% →
2-Year CD 0.65% 1.05% →
5-Year CD 0.95% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

First Nebraska Bank is an FDIC insured institution located in Valley, NE. It was founded in 1934 and has approximately $0.29 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 12248
Date Established 1934
Assets $ 291.70 million
Loans $ 202.00 million
Deposits $ 254.31 million
Capital $ 29.99 million
 

For a more detailed analysis of First Nebraska Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.55% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.85% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
0.95% $10,000 $14,999 Learn More
60 Mo CD
0.95% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Nebraska Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to First Nebraska Bank
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Branches

First Nebraska Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First Nebraska Bank Locations


Financial Details

First Nebraska Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Nebraska Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Nebraska Bank U.S. Bank Average
5.28% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, First Nebraska Bank had $1,542,000 in non-current loans and $180,000 in owned real estate. To cover these potential losses it had $29,990,000 in equity and $2,600,000 in loans loss reserves. That gives it a Texas Ratio of 5.28%.

Return on Equity
First Nebraska Bank U.S. Bank Average
10.93% 7.80%

First Nebraska Bank has a Return on Equity of 10.93% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Nebraska Bank U.S. Bank Average
10.28% 12.68%

First Nebraska Bank has a Capitalization of 10.28% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Nebraska Bank Balance Sheet Analysis

As of March 31, 2020, First Nebraska Bank had assets of $291,697,000, loans of $201,996,000, and deposits of $254,313,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 13.61 million
Interest-bearing balances $ 9.03 million
Total securities $ 54.66 million
Federal funds sold and reverse repurchase $ 4.22 million
Net loans and leases $ 202.00 million
Loan loss allowance $ 2.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.18 million
Goodwill and other intangibles $ 1.46 million
All other assets $ 4.94 million
     Total Assets $ 261.71 million
LIABILITIES
Total deposits $ 254.31 million
      Interest-bearing deposits $ 215.18 million
      Deposits held in domestic offices $ 254.31 million
      % insured (estimated) 82.13%
Federal funds purchased and repurchase agreements $ 5.05 million
Trading liabilities N.A.
Other borrowed funds $ 2.02 million
Subordinated debt N.A.
All other liabilities $ 0.33 million
      Total Liabilities $ 261.71 million
      Shareholders’ Equity $ 29.99 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.03 million
Total Interest Expense $ 0.44 million
Net interest income $ 2.58 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.66 million
Total non interest expense $ 2.37 million
Pre-tax Net Operating Income $ 0.84 million

Bank Loan Profile?

The top three loan types in First Nebraska Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, First Nebraska Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.72
Multifamily
Mortgages
1.74
Credit Card Loans 0.00
Consumer Auto Loans 0.84
Small Business Loans 0.00
Construction and Development Loans 14.20
Commercial Real Estate 16.63
Commercial and Industrial Loans 12.06
Farm Loans 19.27

Frequently Asked Questions About First Nebraska Bank

Branches and Savings

Is First Nebraska Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12248.

Why does First Nebraska Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Nebraska Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Nebraska Bank a commercial bank?

Yes

Where are First Nebraska Bank locations?

See branch locations nearby.

Is First Nebraska Bank open on Saturdays?

Is First Nebraska Bank open on Sundays?

What time does First Nebraska Bank open?

What time does First Nebraska Bank close?

Are First Nebraska Bank ATMs Open 24/7?

Do First Nebraska Bank ATMs accept cash deposits?

Can First Nebraska Bank customers use other ATMs?

Do First Nebraska Bank branches have notaries?

Will First Nebraska Bank notarize my document?

What address for First Nebraska Bank should I put for incoming ACH transfers?

Will the First Nebraska Bank branch print checks?

Do First Nebraska Bank checks expire?

Does First Nebraska Bank require US citizenship to open account?

Can First Nebraska Bank close my account?

Does First Nebraska Bank Report to credit bureaus?

Does First Nebraska Bank Use Equifax?

What is First Nebraska Bank's ACH Routing Number?

What is First Nebraska Bank's SWIFT code?

Products

Does First Nebraska Bank offer mortgages?

Compare mortgage rates here.

Does First Nebraska Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Nebraska Bank offer personal loans?

Compare personal loan rates here.

Does First Nebraska Bank offer student loans?

Will First Nebraska Bank cash a check?

Will First Nebraska Bank redeem a savings bond?

Does First Nebraska Bank cash savings bonds?

Will First Nebraska Bank cash money orders?

Can First Nebraska Bank issue a money order?

Does First Nebraska Bank do currency exchange?

Background on The Bank

Who owns First Nebraska Bank?

How long has First Nebraska Bank been around?

Can First Nebraska Bank transfer to other banks?

Does First Nebraska Bank have quick pay?

Does First Nebraska Bank accept rolled coins?

Will First Nebraska Bank accept loose change?

Where is First Nebraska Bank headquarters?

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