Firstier Bank
Kimball, Nebraska · FDIC Cert #17478
Firstier Bank is an FDIC-insured bank (Certificate #17478) with $952M in total assets and $827M in total deposits as of the Q2 2024 Call Report. Headquartered in Kimball, Nebraska, the bank maintains a Tier 1 capital ratio of 14.00% (Well-Capitalized) and a nonperforming loan ratio of 2.88%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Firstier Bank (FDIC cert 17478) is a community bank — $952M in total assets, $827M in deposits, serving the Kimball, 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 14.00% 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 elevated: non-performing loan ratio of 2.88% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is thin: 2.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.94% 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 essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Firstier Bank carries a composite BankHealth grade of C (55/100) 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: Firstier Bank
- Total Assets
- $952M
- Total Deposits
- $827M
- Tier 1 Capital Ratio
- 14.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.88%
- Liquidity Ratio
- 2.12%
- Return on Assets
- 1.94%
- Headquarters
- Kimball, Nebraska
- FDIC Certificate
- #17478
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Firstier Bank holds a Tier 1 capital ratio of 14.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Firstier Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Firstier Bank shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Firstier Bank Compares
Firstier Bank’s Health Score of 55 is 10 points below the Nebraska state average of 65 across 120 FDIC-insured banks. Its 14.00% Tier 1 capital ratio is 0.0 points above the US banking industry average near 14%. The 2.88% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.94% is in line with or above the national ROA benchmark of ~1.1%. Among 1067 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Firstier Bank is 15 points below the portfolio average of 70.
Frequently Asked Questions
Firstier Bank has a Bank Health Score of C (55/100), placing it in average financial health. It holds a Tier 1 capital ratio of 14.00%, 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. Firstier Bank's Tier 1 capital ratio of 14.00% and nonperforming loan ratio of 2.88% indicate an average 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 Firstier Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #17478). 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.
Firstier Bank holds $952M in total assets and $827M in total deposits. It is headquartered in Kimball, Nebraska (FDIC Certificate #17478).
Firstier Bank has a Tier 1 capital ratio of 14.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.88%, and the return on assets is 1.94%.
Yes. Firstier Bank is FDIC-insured (Certificate #17478). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Firstier Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.