First State Bank

Farnam, Nebraska, Dawson County

$200M in total assets, the 3,022nd largest of 4,309 US banks and 80th of 139 headquartered in Nebraska.

At a glance

Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$200M	29%	$305M
Loans	$99M	12%	$221M
Deposits	$121M	15%	$258M
Return on assets	1.61%	66%	1.32%
Net interest margin	3.14%	11%	3.95%
Efficiency ratio	56.6%	44%	57.9%
Equity to assets	11.84%	68%	11.03%
Loans to deposits	81%	30%	87%

Total assets grew 5.5% a year over the last 5 years and 5.2% a year over 10 years, without acquisitions.

Closed	Acquired bank	Assets at acquisition
Nov 2015	Community Bank Alma, NE, an affiliate under the same holding company	$55M
Jan 2009	First State Bank Holbrook, NE, an affiliate under the same holding company	$28M

5 branches in 3 counties.

County	Deposits	Market share	Rank
Dawson County, NE	$55M	3.7%	7 of 11
Harlan County, NE	$42M	23.8%	3 of 5
Furnas County, NE	$24M	9.1%	4 of 5

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

No change since 2016. The bank has operated 5 branches throughout, with none opened, acquired, closed or sold.

Type	This bank	Peers
Farmland	34%	21%
Agricultural	19%	23%
Commercial real estate	18%	16%
1-4 family residential	14%	16%
Business (C&I)	8%	11%
Consumer	6%	2%
Construction and land	1%	7%
Multifamily	0%	3%
Other	1%	1%

Type	This bank	Peers
Time deposits	45%	36%
Other interest-bearing	30%	47%
Noninterest-bearing	25%	17%

Brokered deposits are 19.7% of deposits (peers 4.6%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-state-bank-farnam-ne