First Central Bank McCook
Mccook, NE
IDRSSD: 2726050
Total Assets
$122.39M
Latest filing
Total Deposits
$102.25M
Latest filing
Net Interest Margin
3.90%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Central Bank McCook
904 N Highway 83
Mccook, NE 69001
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/04/1999FDIC Certificate 73817
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Central Bank McCook (Main) | 904 N Highway 83 | Mccook, NE |
| CURTIS BRANCH | 302 Center Ave | Curtis, NE |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/04/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 69001 |
| State and County Number | 31145 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 20 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/04/1999 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstcentral.com |
| Data Updated | 11/14/2025 |
| CERT | 34995 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $122.39M |
| Total Deposits | $102.25M |
| Total Liabilities | $109.62M |
| Total Equity Capital | $12.77M |
| Net Income | $121.00k |
| Net Loans and Leases | $87.92M |
| Assets Per Employee ($Millions) | $5.83M |
| Bank Premises and Fixed Assets | $658.00k |
| Cash and Balances due from Depository Institutions | $4.12M |
| Deposits Held in Domestic Offices | $102.25M |
Key Performance Ratios
| Return on Assets (ROA) | 0.39% |
| Return on Equity (ROE) | 3.82% |
| Net Interest Margin | 3.9% |
| Efficiency Ratio | 85.35% |
| Tier 1 Risk-Based Capital Ratio | 12.448% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.431% |
| Earning Assets to total Assets | 95.59% |
Income and Expense
| Total Interest Income | $1.91M |
| Total Noninterest Income | $53.00k |
| Total Interest Expense | $754.00k |
| Total Noninterest Expense | $1.03M |
| Net Interest Income | $1.16M |
| Pre-tax Net Operating Income | $132.00k |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.17M |
| Federal Funds Sold & Reverse Repurchase Agreement | $12.20M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.20M |
| Total Liabilities and Capital | $122.39M |
Securities
| Securities | $14.56M |
| Available-for-sale debt securities | $4.94M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $9.65M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Central Bank McCook?
$122.39M as of the latest filing.
How much are First Central Bank McCook's total deposits?
$102.25M in total deposits.
Where is First Central Bank McCook located?
Mccook, NE.
What is the Net Interest Margin?
3.90%.
How many domestic offices does it operate?
2.
When was it established?
01/04/1999.
What is the Return on Assets (ROA)?
0.39%.
How much are total loans and leases?
$87.92M (latest filing).
What is the total interest income (latest filing)?
$1.91M.