BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 16333
Designations: ✓ Community bank
Loomis, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.27% 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 ? |
$230.3M
+2.9% YoY
-0.3% QoQ
|
+$12.8M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$164.4M
+3.2% YoY
-2.8% QoQ
|
+$25.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$199.0M
+2.1% YoY
+6.1% QoQ
|
+$15.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.62%
+27.9% YoY
-0.4% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.03%
+13.7% YoY
+0.5% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
48.46%
-6.9% YoY
+1.6% QoQ
|
-19.27% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.17%
-40.3% YoY
+18.7% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
82.58%
+1.1% YoY
-8.4% QoQ
|
+8.05% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
29.49%
+10.2% YoY
+12.9% QoQ
|
+7.10% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.12%
-40.1% YoY
+15.7% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.19%
+11.2% YoY
+3.6% QoQ
|
+4.34% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.25%
-5.1% YoY
+33.3% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.46%
(Tier avg: 67.73%, National avg: 65.09%)
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
92
92th pctile
Efficiency Ratio
Current: 48.46% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.49% · Tier avg: 22.39%
65
65th pctile
Total Loans
Current: $164.4M · Tier avg: $139.2M
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.19% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
59
59th pctile
Total Deposits
Current: $199.0M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $230.3M · Tier avg: $217.5M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.58% · Tier avg: 74.53%
33
33th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
Top Weaknesses
33
33th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.58% · Tier avg: 74.53%
58
58th pctile
Total Assets
Current: $230.3M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $199.0M · Tier avg: $183.7M
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.19% · Tier avg: 8.85%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
65
65th pctile
Total Loans
Current: $164.4M · Tier avg: $139.2M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.49% · Tier avg: 22.39%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.46% · Tier avg: 67.73%