BlastPoint's Banking Scorecard
First Central Bank
Micro
Specialty: Agricultural
NE
FDIC cert 10637
Designations: ✓ Community bank
Cambridge, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First Central Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.40% above tier
- - Nonperforming Asset Ratio 3.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.5M
+8.6% YoY
+1.9% QoQ
|
-$73.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$102.5M
-2.3% YoY
-5.2% QoQ
|
-$36.7M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$119.1M
+4.9% YoY
+0.7% QoQ
|
-$64.6M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.96%
-50.1% YoY
+48.5% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
4.44%
-8.0% YoY
+1.3% QoQ
|
+0.59% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
63.81%
+21.9% YoY
-7.5% QoQ
|
-3.92% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
5.04%
-1.2% YoY
-30.0% QoQ
|
+4.40% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
86.03%
-6.9% YoY
-5.9% QoQ
|
+11.51% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
18.56%
-5.7% YoY
+10.3% QoQ
|
-3.83% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
3.76%
-12.6% YoY
-33.9% QoQ
|
+3.31% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.41%
+13.8% YoY
+10.5% QoQ
|
+4.56% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.46%
-27.0% YoY
+33.8% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.04%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.76%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 86.03% · Tier avg: 74.53%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.41% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
56
56th pctile
Efficiency Ratio
Current: 63.81% · Tier avg: 67.73%
44
44th pctile
Total Loans
Current: $102.5M · Tier avg: $139.2M
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.56% · Tier avg: 22.39%
36
36th pctile
Total Assets
Current: $144.5M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $119.1M · Tier avg: $183.7M
0
0th pctile
Delinquency Rate
Current: 5.04% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.76% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.76% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.04% · Tier avg: 0.64%
35
35th pctile
Total Deposits
Current: $119.1M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $144.5M · Tier avg: $217.5M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.56% · Tier avg: 22.39%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
44
44th pctile
Total Loans
Current: $102.5M · Tier avg: $139.2M
56
56th pctile
Efficiency Ratio
Current: 63.81% · Tier avg: 67.73%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.41% · Tier avg: 8.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 86.03% · Tier avg: 74.53%
78
78th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%