First Central Bank is a bank based in Cambridge, Nebraska, established in 1907, with $138 million in total assets across 3 branches. By Trust Grade it ranks 1st of 139 banks we track in Nebraska. Its capital ratio of 11.5% is stronger than 68% of similarly sized banks, versus a Nebraska median of 10.8%. It was profitable over the most recent period, with a 1.27% return on assets. No consumer complaints against First Central Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Central Bank compares to Nebraska peers
How we graded First Central Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.5% capital ratio)
- Strongly profitable (ROA 1.27%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Central Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 415 Nebraska Ave, Arapahoe, NE 68922
- 322 Main St, Edison, NE 68936
- 623 Patterson St, Cambridge, NE 69022
Are deposits at First Central Bank insured?
Yes. First Central Bank is an FDIC-insured bank (FDIC certificate #10637). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Central Bank: frequently asked questions
Is First Central Bank a good bank?
First Central Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.5% capital ratio); Strongly profitable (ROA 1.27%).
Is First Central Bank FDIC-insured?
Yes. First Central Bank is a FDIC-insured bank (FDIC certificate #10637). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Central Bank?
First Central Bank holds $138 million in total assets, ranking 1st of 139 banks we track in Nebraska. It operates 3 branches.
Does First Central Bank have CFPB complaints?
No CFPB complaints against First Central Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
