BlastPoint's Banking Scorecard
First State Bank Nebraska
Community
Specialty: Agricultural
NE
FDIC cert 13868
Lincoln, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
First State Bank Nebraska has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Community
- - Liquidity Strain: Bottom 35% in Community
- - Credit Risk Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.8% YoY
+4.8% QoQ
|
-$266.3M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$877.2M
+8.4% YoY
+4.0% QoQ
|
-$98.2M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$953.0M
+9.7% YoY
+3.0% QoQ
|
-$211.6M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.39%
+26.9% YoY
+2.9% QoQ
|
+0.23% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.30%
+12.8% YoY
+2.0% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
55.09%
-7.4% YoY
+0.7% QoQ
|
-7.54% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.12%
+261.7% YoY
-2.8% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
92.05%
-1.1% YoY
+1.0% QoQ
|
+8.99% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
11.25%
+1.6% YoY
-9.1% QoQ
|
-9.80% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+267.3% YoY
-3.5% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
11.50%
+3.4% YoY
+0.8% QoQ
|
+1.26% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.27%
-9.1% YoY
+38.9% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#17 of 371 · Top 4% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Credit Quality Pressure
risk
#143 of 808 · Bottom 18% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#182 of 513 · Bottom 35% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.05%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#236 of 642 · Bottom 37% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
73
73th pctile
Efficiency Ratio
Current: 55.09% · Tier avg: 62.63%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
63
63th pctile
Total Loans
Current: $877.2M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $953.0M · Tier avg: $1.2B
41
41th pctile
Tier 1 Capital Ratio
Current: 11.50% · Tier avg: 10.24%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.05% · Tier avg: 83.06%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.25% · Tier avg: 21.05%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.25% · Tier avg: 21.05%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.05% · Tier avg: 83.06%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.50% · Tier avg: 10.24%
56
56th pctile
Total Deposits
Current: $953.0M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
63
63th pctile
Total Loans
Current: $877.2M · Tier avg: $975.5M
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
73
73th pctile
Efficiency Ratio
Current: 55.09% · Tier avg: 62.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%