First State Bank (FDIC #16333): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #16333): bank stress 27/100, contained, STABLE over 7 days; parent LOOMIS CO.

First State Bank (#16333) lends in 3 counties across 1 state; First State Bank (#16333) reaches 24 ZIP codes: Nebraska 3 counties, 24 ZIPs.

First State Bank (#16333) largest markets: Kearney County, NE (11 branches, 11 ZIPs) (#16333), Phelps County, NE (20 branches, 10 ZIPs) (#16333), Harlan County, NE (8 branches, 8 ZIPs) (#16333).

First State Bank (#16333) reports $232.5 million in total assets; First State Bank (#16333) equity $31.1 million (13.4% of First State Bank (#16333) assets); First State Bank (#16333) domestic deposits $195.7 million; First State Bank (#16333) net income $3.0 million; First State Bank (#16333) return on assets 2.57%; First State Bank (#16333) return on equity 19.66%; First State Bank (#16333) net interest income $5.7 million; First State Bank (#16333) call report June 30, 2026.

First State Bank (#16333) noncurrent real-estate loans: none reported; First State Bank (#16333) net charge-offs on real estate 0.01%.

First State Bank (#16333) net interest margin 5.39% against an eight-quarter First State Bank (#16333) average of 4.33% (First State Bank (#16333) compression -1.06 points); First State Bank (#16333) rate-exposure score 40/100, First State Bank (#16333) fixed-rate trap 40/100; First State Bank (#16333) risk type rate trapped; First State Bank (#16333) rate regime rates elevated, First State Bank (#16333) snapshot October 19, 2026.

First State Bank (#16333) stress score moved from 26.9 on June 22, 2026 to 27.5 on October 20, 2026; First State Bank (#16333) ranged 26.9 to 27.5 over 117 snapshots.

First State Bank (#16333) alerts: 3 counties; top First State Bank (#16333) alert scores: Alma County, NE 14 (low); Axtell County, NE 14 (low); Loomis County, NE 14 (low).