First State Bank Nebraska (FDIC #13868): Bank Stress & Real-Estate Credit Exposure

First State Bank Nebraska (FDIC Cert #13868): bank stress 60/100, elevated, STABLE over 7 days; parent FIRST STATE HOLDING CO.

First State Bank Nebraska (#13868) lends in 6 counties across 1 state; First State Bank Nebraska (#13868) reaches 132 ZIP codes: Nebraska 6 counties, 132 ZIPs.

First State Bank Nebraska (#13868) largest markets: Lancaster County, NE (176 branches, 44 ZIPs) (#13868), Douglas County, NE (37 branches, 37 ZIPs) (#13868), Cass County, NE (60 branches, 20 ZIPs) (#13868), Gage County, NE (54 branches, 18 ZIPs) (#13868), Saunders County, NE (54 branches, 18 ZIPs) (#13868), Saline County, NE (48 branches, 12 ZIPs) (#13868).

First State Bank Nebraska (#13868) reports $1.13 billion in total assets; First State Bank Nebraska (#13868) equity $115.2 million (10.2% of First State Bank Nebraska (#13868) assets); First State Bank Nebraska (#13868) domestic deposits $990.0 million; First State Bank Nebraska (#13868) net income $8.5 million; First State Bank Nebraska (#13868) return on assets 1.51%; First State Bank Nebraska (#13868) return on equity 14.83%; First State Bank Nebraska (#13868) net interest income $18.6 million; First State Bank Nebraska (#13868) call report June 30, 2026.

First State Bank Nebraska (#13868) noncurrent real-estate loans 0.03% of its book; First State Bank Nebraska (#13868) net charge-offs on real estate 0.28%.

First State Bank Nebraska (#13868) net interest margin 3.53% against an eight-quarter First State Bank Nebraska (#13868) average of 3.20% (First State Bank Nebraska (#13868) compression -0.33 points); First State Bank Nebraska (#13868) real-estate loans 3.5% of equity; First State Bank Nebraska (#13868) rate-exposure score 40/100, First State Bank Nebraska (#13868) fixed-rate trap 40/100; First State Bank Nebraska (#13868) risk type credit driven; First State Bank Nebraska (#13868) rate regime rates elevated, First State Bank Nebraska (#13868) snapshot October 19, 2026.

First State Bank Nebraska (#13868) stress score moved from 59.2 on June 22, 2026 to 59.9 on October 19, 2026; First State Bank Nebraska (#13868) ranged 59.2 to 59.9 over 116 snapshots.

First State Bank Nebraska (#13868) alerts: 6 counties; top First State Bank Nebraska (#13868) alert scores: Filley County, NE 21 (low); Omaha County, NE 21 (low); Plattsmouth County, NE 21 (low); Waverly County, NE 21 (low); Wilber County, NE 21 (low).