First Nb of Gordon
Gordon, Nebraska · FDIC Cert #5410
First Nb of Gordon is an FDIC-insured bank (Certificate #5410) with $321M in total assets and $280M in total deposits as of the Q2 2024 Call Report. Headquartered in Gordon, Nebraska, the bank maintains a Tier 1 capital ratio of 29.55% (Well-Capitalized) and a nonperforming loan ratio of 0.66%. BankHealthData assigns a composite Health Grade of A (96/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Gordon (FDIC cert 5410) is a community bank — $321M in total assets, $280M in deposits, serving the Gordon, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 29.55% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.66% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 60.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 3.51% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. First Nb of Gordon carries a composite BankHealth grade of A (96/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Gordon
- Total Assets
- $321M
- Total Deposits
- $280M
- Tier 1 Capital Ratio
- 29.55%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.66%
- Liquidity Ratio
- 60.56%
- Return on Assets
- 3.51%
- Headquarters
- Gordon, Nebraska
- FDIC Certificate
- #5410
- Health Grade
- A (96/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Gordon holds a Tier 1 capital ratio of 29.55%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Gordon has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Gordon shows strong financial health indicators. With $321M in assets and a Health Score of 96/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Gordon Compares
First Nb of Gordon’s Health Score of 96 is 31 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 29.55% Tier 1 capital ratio is 15.5 points above the US banking industry average near 14%. The 0.66% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 3.51% is in line with or above the national ROA benchmark of ~1.1%. Among 1588 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, First Nb of Gordon is 26 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Gordon has a Bank Health Score of A (96/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 29.55%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Gordon's Tier 1 capital ratio of 29.55% and nonperforming loan ratio of 0.66% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Gordon is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #5410). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Gordon holds $321M in total assets and $280M in total deposits. It is headquartered in Gordon, Nebraska (FDIC Certificate #5410).
First Nb of Gordon has a Tier 1 capital ratio of 29.55%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.66%, and the return on assets is 3.51%.
Yes. First Nb of Gordon is FDIC-insured (Certificate #5410). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Gordon's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.