BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 15364
Designations: ✓ Community bank
Randolph, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First State Bank shows strong momentum with 2 strengths and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.6M
+8.6% YoY
+4.8% QoQ
|
-$137.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$55.7M
+5.4% YoY
+4.3% QoQ
|
-$83.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$56.9M
+11.3% YoY
+6.6% QoQ
|
-$126.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.45%
+2.7% YoY
-5.9% QoQ
|
+0.36% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.52%
+0.5% YoY
-0.7% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
59.85%
-1.5% YoY
+3.5% QoQ
|
-7.88% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
97.91%
-5.3% YoY
-2.2% QoQ
|
+23.39% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.53%
+2.8% YoY
+27.4% QoQ
|
-7.86% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.33%
-9.9% YoY
+18.6% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.85% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
23
23th pctile
Total Loans
Current: $55.7M · Tier avg: $139.2M
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.53% · Tier avg: 22.39%
16
16th pctile
Total Assets
Current: $79.6M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $56.9M · Tier avg: $183.7M
11
11th pctile
Loan-to-Deposit Ratio
Current: 97.91% · Tier avg: 74.53%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 97.91% · Tier avg: 74.53%
13
13th pctile
Total Deposits
Current: $56.9M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $79.6M · Tier avg: $217.5M
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.53% · Tier avg: 22.39%
23
23th pctile
Total Loans
Current: $55.7M · Tier avg: $139.2M
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.85% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%