BlastPoint's Banking Scorecard
FirsTier Bank
Community
Specialty: Commercial
NE
FDIC cert 17478
Kimball, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
FirsTier Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 30% in Community
- - Return on Assets 0.83% below tier
- - Nonperforming Asset Ratio 5.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+18.6% YoY
+0.9% QoQ
|
-$309.2M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$769.7M
+1.1% YoY
-3.1% QoQ
|
-$205.8M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$919.2M
+22.4% YoY
+1.1% QoQ
|
-$245.4M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.34%
-81.7% YoY
-52.4% QoQ
|
-0.83% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.87%
-7.6% YoY
-1.1% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
67.98%
+34.6% YoY
+7.9% QoQ
|
+5.35% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
4.83%
+12.9% YoY
-39.6% QoQ
|
+4.20% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
83.74%
-17.4% YoY
-4.1% QoQ
|
+0.67% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
11.40%
-11.8% YoY
-3.8% QoQ
|
-9.65% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
6.31%
+75.6% YoY
-1.4% QoQ
|
+5.81% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.85%
-10.9% YoY
-3.6% QoQ
|
+2.60% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.23%
+71.4% YoY
+110.8% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#194 of 642 · Bottom 30% 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 improving
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.34%
(Tier avg: 1.16%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
6.31%
(Tier avg: 0.50%, 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
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.85% · Tier avg: 10.24%
55
55th pctile
Total Loans
Current: $769.7M · Tier avg: $975.5M
55
55th pctile
Total Deposits
Current: $919.2M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.74% · Tier avg: 83.06%
32
32th pctile
Efficiency Ratio
Current: 67.98% · Tier avg: 62.63%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.40% · Tier avg: 21.05%
7
7th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 4.83% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.31% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.31% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.83% · Tier avg: 0.63%
7
7th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.16%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.40% · Tier avg: 21.05%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
32
32th pctile
Efficiency Ratio
Current: 67.98% · Tier avg: 62.63%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.74% · Tier avg: 83.06%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Deposits
Current: $919.2M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $769.7M · Tier avg: $975.5M
56
56th pctile
Tier 1 Capital Ratio
Current: 12.85% · Tier avg: 10.24%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%