Applications / Mortgage Analytics / Lenders / Nebraska / First Community Bank
Beemer, NE · State member bank · FRS · $337 million assets · 48 loans in 2025
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48
loans originated, 2025
61
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank, of Beemer, Nebraska, is a small rural lender that makes small loans, and it made 48 loans in 2025, up from 30 a year earlier.
Its typical loan was $85,000, among the lowest twentieth of similar lenders (state member banks making between half and twice as many loans), where it was $185,000. Refinances made up 41.7% of its loans, and purposes other than buying or refinancing 25.0%.
Its loans rose 60% in 2025, faster than at about nine in ten peers, which grew 6%. With counts this small, a few loans make a big difference. It filed no report for 2018 or for 2020 to 2022; those are gaps in the record, not years without lending.
Low- and moderate-income (LMI) borrowers took 32.4% of its loans, against 24.3% at peers, more than at about three in four of them. Its share in majority-minority neighborhoods, 8.5%, was near the middle.
Non-metro Nebraska is its biggest market, where it ranked 80th of 341 lenders. In Sioux City it ranked 60th of 167. In 2025 it made its first loans in non-metro South Dakota and in Lincoln.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First Community Bank took 61 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.7% · Purchase 33.3% · Other 25.0%
Conventional 100.0% · of 48 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 44 | 91.7% |
| Iowa | 2 | 4.2% |
| South Dakota | 1 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux City | 7 |
| Omaha | 5 |
| Lincoln | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UDUI586USMO954 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 993250 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16818 | 1996–2009 |
| Respondent ID (the HMDA filer code before 2018) | 2993250 | 2010–2016 |
Established 7 April 1903. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
First Community Bank's data
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