First Central Bank
Cambridge, NE
IDRSSD: 134156
Total Assets
$144.45M
Latest filing
Total Deposits
$119.10M
Latest filing
Net Interest Margin
4.58%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104102587CAMBRIDGE, NE
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Central Bank
623 Patterson St
Cambridge, NE 69022
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/15/1907FDIC Certificate 6820
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Central Bank (Main) | 623 Patterson St | Cambridge, NE |
| ARAPAHOE BRANCH | 415 Nebraska Ave | Arapahoe, NE |
| EDISON BRANCH | 322 Main St | Edison, NE |
Showing 2 of 2
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 | 06/15/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 69022 |
| State and County Number | 31065 |
| 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 | 23 |
| Domestic Offices | 3 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.firstcentral.com |
| Data Updated | 01/30/2026 |
| CERT | 10637 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $144.45M |
| Total Deposits | $119.10M |
| Total Liabilities | $128.71M |
| Total Equity Capital | $15.75M |
| Net Income | $672.00k |
| Net Loans and Leases | $102.46M |
| Assets Per Employee ($Millions) | $5.56M |
| Bank Premises and Fixed Assets | $1.93M |
| Cash and Balances due from Depository Institutions | $9.97M |
| Deposits Held in Domestic Offices | $119.10M |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 17.29% |
| Net Interest Margin | 4.58% |
| Efficiency Ratio | 49.41% |
| Tier 1 Risk-Based Capital Ratio | 13.414% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.901% |
| Earning Assets to total Assets | 92.43% |
Income and Expense
| Total Interest Income | $2.29M |
| Total Noninterest Income | $176.00k |
| Total Interest Expense | $753.00k |
| Total Noninterest Expense | $844.00k |
| Net Interest Income | $1.53M |
| Pre-tax Net Operating Income | $864.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $273.00k |
| Other borrowed funds | $8.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.25M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.31M |
| Total Liabilities and Capital | $144.45M |
Securities
| Securities | $14.22M |
| Available-for-sale debt securities | $4.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.90M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Central Bank?
$144.45M as of the latest filing.
How much are First Central Bank's total deposits?
$119.10M in total deposits.
Where is First Central Bank located?
Cambridge, NE.
What is the Net Interest Margin?
4.58%.
How many domestic offices does it operate?
3.
When was it established?
06/15/1907.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$102.46M (latest filing).
What is the total interest income (latest filing)?
$2.29M.