Bank · FDIC insured
First State Bank
A $199.5M bank headquartered in Farnam, NE, with 5 branches in Nebraska. Best rates: savings 0.55% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings811.25%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
- Headquarters
- 222 Main St, Farnam, NE 69029
- FDIC certificate
- 12244 ↗
Branches
5 branches in Nebraska
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Nebraska
5 branches
Lexington area · 1
- First State BankMain office222 Main St, Farnam, NE 69029Directions
Alma area · 1
- Community Bank Branch1108 7th St, Alma, NE 68920Directions
Cambridge area · 1
- Cambridge Bank Branch309 Nelson St, Cambridge, NE 69022Directions
Holbrook area · 1
- First State Bank Branch123 Center Ave, Holbrook, NE 68948Directions
Stamford area · 1
- Stamford Branch130 North Beaver Avenue, Stamford, NE 68977Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.94% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.33% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.63% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $81 | $81 | — |
- CapitalLeverage ratio11.94%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.33%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.63%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$81Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.