First State Bank (FDIC #12244): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #12244): bank stress 51/100, moderate, STABLE over 7 days; parent NEBRASKA BANKSHARES INC.

First State Bank (#12244) lends in 3 counties across 1 state; First State Bank (#12244) reaches 27 ZIP codes: Nebraska 3 counties, 27 ZIPs.

First State Bank (#12244) largest markets: Dawson County, NE (12 branches, 12 ZIPs) (#12244), Furnas County, NE (18 branches, 9 ZIPs) (#12244), Harlan County, NE (16 branches, 8 ZIPs) (#12244).

First State Bank (#12244) reports $199.5 million in total assets; First State Bank (#12244) equity $23.6 million (11.8% of First State Bank (#12244) assets); First State Bank (#12244) domestic deposits $121.3 million; First State Bank (#12244) net income $1.7 million; First State Bank (#12244) return on assets 1.63%; First State Bank (#12244) return on equity 13.60%; First State Bank (#12244) net interest income $2.9 million; First State Bank (#12244) call report June 30, 2026.

First State Bank (#12244) noncurrent real-estate loans: none reported; First State Bank (#12244) net charge-offs on real estate 0.38%.

First State Bank (#12244) net interest margin 3.14% against an eight-quarter First State Bank (#12244) average of 2.92% (First State Bank (#12244) compression -0.21 points); First State Bank (#12244) rate-exposure score 40/100, First State Bank (#12244) fixed-rate trap 40/100; First State Bank (#12244) risk type credit driven; First State Bank (#12244) rate regime rates elevated, First State Bank (#12244) snapshot October 19, 2026.

First State Bank (#12244) stress score moved from 51.8 on June 22, 2026 to 51.5 on October 19, 2026; First State Bank (#12244) ranged 51.5 to 51.8 over 116 snapshots.

First State Bank (#12244) alerts: 3 counties; top First State Bank (#12244) alert scores: Farnam County, NE 19 (low); Holbrook County, NE 19 (low); Stamford County, NE 19 (low).