FirsTier Bank
Kimball, Nebraska, Kimball County
$1.0B in total assets, the 1,027th largest of 4,309 US banks and 22nd of 139 headquartered in Nebraska.
- FDIC certificate
- 17478
- Established
- 1955
- Owned by
- Firstier Bcorp
- Primary regulator
- FDIC
- Website
- www.firstierbanks.com
At a glance
Compared with 20 banks headquartered in Nebraska with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $1.3B | |
| Loans | $817M | 20% | $926M | |
| Deposits | $883M | 20% | $1.1B | |
| Return on assets | 0.14% | 2% | 1.24% | |
| Net interest margin | 3.53% | 60% | 3.43% | |
| Efficiency ratio | 81.8% | 98% | 60.8% | |
| Equity to assets | 11.72% | 90% | 9.78% | |
| Loans to deposits | 92% | 75% | 90% |
Growth
Total assets grew 11.8% a year over the last 5 years and 15.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2006 | FirsTier Bank, Wyoming Cheyenne, WY | $41M |
Where they operate
12 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Kimball County, NE | $192M | 85.6% | 1 of 4 |
| Laramie County, WY | $180M | 5.6% | 9 of 19 |
| Buffalo County, NE | $142M | 6.1% | 8 of 17 |
| Weld County, CO | $90M | 1.4% | 17 of 24 |
| Douglas County, CO | $76M | 1.0% | 12 of 19 |
| Weston County, WY | $66M | 21.7% | 3 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 6 branches since 2016 (6 to 12, +100.0%). 6 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2018 | Opened Castle Rock | 1 | 0 | +1 | 7 |
| 2020 | Opened Greeley | 1 | 0 | +1 | 8 |
| 2021 | Opened Broomfield and Cheyenne | 2 | 0 | +2 | 10 |
| 2025 | Opened Fort Collins | 1 | 0 | +1 | 11 |
| 2026 through Q2 | Opened Boulder | 1 | 0 | +1 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 28% | |
| Construction and land | 25% | 8% | |
| 1-4 family residential | 14% | 17% | |
| Business (C&I) | 10% | 14% | |
| Multifamily | 7% | 7% | |
| Agricultural | 5% | 10% | |
| Farmland | 4% | 12% | |
| Consumer | 1% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 62% | 30% | |
| Other interest-bearing | 26% | 56% | |
| Noninterest-bearing | 12% | 14% |
Brokered deposits are 0.0% of deposits (peers 10.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 4.53% | 0.35% |
| Net charge-offs, annualized | -0.01% | 0.01% |
| Reserves to loans | 1.85% | 1.34% |
| Leverage ratio | 11.43% | 10.34% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Kimball County, NE
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/firstier