BlastPoint's Banking Scorecard
First Bank of Utica
Micro
Specialty: Agricultural
NE
FDIC cert 14281
Designations: ✓ Community bank
Utica, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First Bank of Utica faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.3M
+14.0% YoY
+7.0% QoQ
|
-$137.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$59.8M
+8.6% YoY
-2.8% QoQ
|
-$79.4M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$65.4M
+17.9% YoY
+8.8% QoQ
|
-$118.3M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.96%
-14.8% YoY
+11.9% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
4.65%
+0.5% YoY
-0.0% QoQ
|
+0.80% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
71.83%
+6.9% YoY
-3.9% QoQ
|
+4.11% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.46%
-36.1% YoY
-54.4% QoQ
|
-0.18% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
91.52%
-7.8% YoY
-10.6% QoQ
|
+17.00% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
18.19%
-8.8% YoY
-7.4% QoQ
|
-4.21% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.34%
-39.1% YoY
-58.6% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
-13.2% YoY
+29.7% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 0.56%, National avg: 0.65%)
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
83
83th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
36
36th pctile
Efficiency Ratio
Current: 71.83% · Tier avg: 67.73%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.19% · Tier avg: 22.39%
24
24th pctile
Total Loans
Current: $59.8M · Tier avg: $139.2M
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.52% · Tier avg: 74.53%
16
16th pctile
Total Assets
Current: $80.3M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $65.4M · Tier avg: $183.7M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
15
15th pctile
Total Deposits
Current: $65.4M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.3M · Tier avg: $217.5M
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.52% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $59.8M · Tier avg: $139.2M
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.19% · Tier avg: 22.39%
36
36th pctile
Efficiency Ratio
Current: 71.83% · Tier avg: 67.73%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
83
83th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.85%