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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Minden, NE · FDIC certificate #5438
FIRST BANK&TRUST CO is an FDIC-insured institution based in Minden, NE (FDIC certificate #5438). In its Q3 2026 Call Report it reported total assets of $92M, total deposits of $63M and net loans of $47M. Its primary federal regulator is FED.
Plain-language readout
FIRST BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $92M in Q1 2026 and were lowest at $91M in Q2 2026.
Total deposits were highest at $69M in Q1 2026 and lowest at $63M in Q3 2026.
Over the whole period total assets fell 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $92M | $63M | $47M | 0.90% | 9.19% | 3.49% |
| Q2 2026 | $91M | $66M | $43M | 1.01% | 10.13% | 3.40% |
| Q1 2026 | $92M | $69M | $43M | 0.96% | 9.78% | 3.36% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.7M | $2.8M | -$1.1M | -39.4% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $39.3M | $39.3M | +$77K | +0.2% |
| Equity securities with readily determinable fair values, not held for trading | $4.5M | $4.5M | -$10K | -0.2% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $43.3M | $43.4M | -$119K | -0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $580K | $612K | -$32K | -5.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.7M | $1.7M | +$18K | +1.1% |
| Total assets | $91.2M | $92.4M | -$1.2M | -1.3% |
| Liabilities | ||||
| Total deposits | $66.3M | $68.6M | -$2.3M | -3.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $11.6M | $11.8M | -$212K | -1.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.5M | $2.6M | +$889K | +34.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $527K | $464K | +$63K | +13.6% |
| Total liabilities | $81.9M | $83.5M | -$1.6M | -1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $400K | $400K | $0K | 0.0% |
| Surplus | $7.6M | $7.0M | +$625K | +9.0% |
| Retained earnings | $1.8M | $2.2M | -$383K | -17.3% |
| Accumulated other comprehensive income | -$566K | -$695K | +$129K | +18.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.3M | $8.9M | +$371K | +4.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $840K | -$840K | -100.0% |
| Adjusted nonperforming assets | $0K | $840K | -$840K | -100.0% |
| Tangible equity plus allowance | $10.0M | $9.6M | +$375K | +3.9% |
| Texas ratio (gross) | 0.00% | 8.71% | -8.71 pts | See points |
| Texas ratio (adjusted) | 0.00% | 8.71% | -8.71 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 8.71% | -8.71 pts | See points |
| Tier 1 capital to risk-weighted assets | 20.55% | 20.33% | +0.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 20.55% | 20.33% | +0.23 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 21.80% | 21.58% | +0.22 pts | See points |
| Tier 1 leverage (approximate) | 10.55% | 10.27% | +0.27 pts | See points |
| Construction and land loans to total capital | 10.49% | 8.50% | +1.99 pts | See points |
| Commercial real estate to total capital | 35.36% | 34.39% | +0.98 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.75% | -7.24% | +1.49 pts | See points |
| Liquidity | ||||
| Core deposits | $63.2M | $65.2M | -$2.0M | -3.1% |
| Non-core funding | $18.2M | $17.8M | +$414K | +2.3% |
| Loans to core deposits | 69.75% | 67.75% | +1.99 pts | See points |
| Loans to deposits | 66.47% | 64.42% | +2.05 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 55.79% | 56.49% | -0.70 pts | See points |
| Loans pledged, share of loans | 48.08% | 45.96% | +2.12 pts | See points |
| Volatile liabilities | $18.4M | $18.3M | +$174K | +1.0% |
| Earnings | ||||
| Earnings before provision, year to date | $514K | $258K | +$256K | +99.2% |
| Earnings before provision, single quarter | $256K | $258K | -$2K | -0.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.66% | 6.56% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.96% | 3.71% | +0.26 pts | See points |
| Total interest income to average assets | 4.83% | 4.77% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.07% | 0.06% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.08% | 1.06% | +0.02 pts | See points |
| Cost of time deposits | 3.16% | 3.30% | -0.14 pts | See points |
| Total interest expense to average assets | 1.56% | 1.55% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $92M | $63M | $47M | 0.90% | 9.19% | 3.49% |
| 2026-06-30 | $91M | $66M | $43M | 1.01% | 10.13% | 3.40% |
| 2026-03-31 | $92M | $69M | $43M | 0.96% | 9.78% | 3.36% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $68.6M | 0.07% | 120 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.