$227M
+5.6%y/y
Percentile by value71st percentileby value
FDIC
ASSETFS
First State Bank
Loomis, NebraskaFDIC Cert #16333
STATEEstablished 19454 branches
Holding company: LOOMIS CORegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFirst State Bank reported $227M in total assets. Deposits grew 4.55% over the prior year.
Return on assets was 3.17%, compared with an asset-peer median of 1.18%. The leverage ratio was 11.63%.
- Why is Efficiency Ratio below asset peers?
- Why is CRE Concentration to Capital below asset peers?
- Why is Total Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$195M
+4.6%y/y
Percentile by value71st percentileby value
FDIC
DEP$169M
+8.2%y/y
Percentile by value82nd percentileby value
FDIC
LNLSNET3.17%
+165 bpsy/y
Peer standing98th percentile
FDIC
NETINC + ROA31.65%
−1,814 bpsy/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.63%
+96 bpsy/y
Peer standing57th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $167M | $140M |
| Q3 2021 | $171M | $143M |
| Q4 2021 | $174M | $147M |
| Q1 2022 | $194M | $167M |
| Q2 2022 | $192M | $164M |
| Q3 2022 | $193M | $161M |
| Q4 2022 | $205M | $167M |
| Q1 2023 | $205M | $178M |
| Q2 2023 | $208M | $174M |
| Q3 2023 | $214M | $178M |
| Q4 2023 | $218M | $186M |
| Q1 2024 | $206M | $178M |
| Q2 2024 | $216M | $182M |
| Q3 2024 | $223M | $186M |
| Q4 2024 | $224M | $195M |
| Q1 2025 | $215M | $186M |
| Q2 2025 | $216M | $182M |
| Q3 2025 | $231M | $188M |
| Q4 2025 | $230M | $199M |
| Q1 2026 | $227M | $195M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $1.27M |
| Investor CRE | $13.4M |
| Multifamily | $338K |
| Construction | $0 |
| 1–4 family | $15.5M |
| C&I | $21.6M |
| Agriculture | $112M |
| Other | $6.93M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.17%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE24.48%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY6.26%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.65%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+4.55%55th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+8.17%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%76th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ11.63%57th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.20%54th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC49%31st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.17%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.66%Median 1.29%90th 2.09%Observations 141
ROE
FDIC
NETINC + ROE24.48%99th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.43%Median 11.90%90th 18.20%Observations 141
NIM
FDIC
NIM + NIMY6.26%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.73%90th 4.60%Observations 141
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.65%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.34%Median 60.71%90th 77.89%Observations 141
Deposits YoY
FDIC
DEP+4.55%51st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.12%Median +4.39%90th +14.36%Observations 141
Loans YoY
FDIC
LNLSNET+8.17%65th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.32%Median +5.90%90th +18.22%Observations 141
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%71st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.21%90th 1.97%Observations 141
Leverage
FDIC
RBC1AAJ11.63%61st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.22%Median 11.10%90th 15.18%Observations 141
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.20%75th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.59%90th 3.62%Observations 141
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC49%41st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 10%Median 87%90th 310%Observations 62
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.17%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.75%Median 1.30%90th 2.14%Observations 42
ROE
FDIC
NETINC + ROE24.48%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.96%Median 12.31%90th 18.16%Observations 42
NIM
FDIC
NIM + NIMY6.26%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.11%Median 3.79%90th 4.67%Observations 42
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.65%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.43%Median 60.35%90th 72.28%Observations 42
Deposits YoY
FDIC
DEP+4.55%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.50%Median +4.90%90th +14.74%Observations 42
Loans YoY
FDIC
LNLSNET+8.17%68th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.55%Median +4.43%90th +13.18%Observations 42
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%56th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.14%90th 2.10%Observations 42
Leverage
FDIC
RBC1AAJ11.63%63rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.26%Median 11.33%90th 14.62%Observations 42
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.20%71st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.83%Median 2.70%90th 3.78%Observations 42
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC49%53rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 10%Median 43%90th 235%Observations 18
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
4 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data