First Northeast Bank of Nebraska
Lyons, Nebraska, Burt County
$473M in total assets, the 1,885th largest of 4,309 US banks and 45th of 139 headquartered in Nebraska.
- FDIC certificate
- 5432
- Established
- 1902
- Owned by
- Farm&home Insurance Agency Inc
- Primary regulator
- FED
- Website
- http://www.fnb-ne.com
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 range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $473M | 72% | $293M | |
| Loans | $180M | 46% | $221M | |
| Deposits | $361M | 71% | $241M | |
| Return on assets | 1.42% | 55% | 1.32% | |
| Net interest margin | 3.02% | 9% | 3.95% | |
| Efficiency ratio | 48.4% | 19% | 57.9% | |
| Equity to assets | 13.84% | 86% | 11.03% | |
| Loans to deposits | 50% | 2% | 87% |
Growth
Total assets grew 5.7% a year over the last 5 years and 5.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 1999 | The Farmers and Merchants National Bank of Oakland Oakland, NE | $23M |
| Oct 1994 | The First National Bank of Hooper Hooper, NE | $31M |
| Jan 1986 | Uehling State Bank Uehling, NE | $3M |
Where they operate
8 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Burt County, NE | $201M | 69.0% | 1 of 4 |
| Dodge County, NE | $113M | 6.1% | 4 of 12 |
| Saunders County, NE | $46M | 4.8% | 8 of 13 |
| Cedar County, NE | $605K | 0.1% | 8 of 8 |
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 loss of 1 branch since 2016 (9 to 8, −11.1%). 0 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2024 | Closed Oakland | 0 | 1 | −1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 38% | 21% | |
| Agricultural | 21% | 23% | |
| Construction and land | 14% | 7% | |
| Commercial real estate | 10% | 17% | |
| Business (C&I) | 8% | 11% | |
| 1-4 family residential | 5% | 16% | |
| Consumer | 2% | 2% | |
| Multifamily | 0% | 3% | |
| Other | 2% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 44% | 36% | |
| Other interest-bearing | 38% | 47% | |
| Noninterest-bearing | 18% | 17% |
Brokered deposits are 7.3% of deposits (peers 4.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.22% | 0.20% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.90% | 1.27% |
| Leverage ratio | 13.51% | 11.19% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Burt 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/first-northeast-nebraska