First Central Bank

BankCambridge, Nebraska
http://www.firstcentral.com

Total Assets

$144.5M

Total Deposits

$119.1M

Branches

3

Established

1907

TFS Health Grade

$
D

63.6 / 100

Below average financial health

How we grade

First Central Bank is a bank headquartered in Cambridge, Nebraska, established in 1907. With $144.5M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (63.6/100).

Capital & Safety

Tier 1 Capital Ratio
10.94%(8%)
Total Capital Ratio
14.55%(10%)
Non-Performing Loan Ratio
4.98%

Profitability

Return on Assets (ROA)
0.96%(1%)
Return on Equity (ROE)
8.88%(10%)
Net Interest Margin
4.44%
Efficiency Ratio
63.81%(60%)

Lending & Liquidity

Total Loans
$103.8M
Loan-to-Deposit Ratio
86.03%
Net Charge-Off Ratio
1.13%

Growth

Asset Growth (YoY)
+8.63%
Deposit Growth (YoY)
+4.90%
Net Income
$1.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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