BlastPoint's Banking Scorecard
BankFirst
Community
Specialty: Agricultural
NE
FDIC cert 20130
Norfolk, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
BankFirst has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.88% above tier
- + Efficiency Ratio 26.86% below tier
- + Tier 1 Capital Ratio 8.34% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 19% in Community
- - Liquidity Strain: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+6.5% YoY
+0.7% QoQ
|
-$189.1M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$727.8M
+1.3% YoY
+2.7% QoQ
|
-$247.6M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$739.2M
+3.4% YoY
-1.4% QoQ
|
-$425.4M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
2.05%
-0.9% YoY
+9.5% QoQ
|
+0.88% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.21%
-0.6% YoY
+2.4% QoQ
|
+0.55% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
35.77%
-5.7% YoY
-2.8% QoQ
|
-26.86% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
1.44%
-37.0% YoY
-37.7% QoQ
|
+0.82% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
98.46%
-2.1% YoY
+4.1% QoQ
|
+15.40% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.69%
-0.7% YoY
-3.2% QoQ
|
-9.36% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.87%
-40.1% YoY
-36.5% QoQ
|
+0.38% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
18.59%
+6.7% YoY
+3.5% QoQ
|
+8.34% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.35%
+8.0% YoY
+52.5% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
2.05%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
35.77%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.59%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#53 of 268 · Bottom 19% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.59%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
98.46%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#127 of 513 · Bottom 25% 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:
98.46%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 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
98
98th pctile
Efficiency Ratio
Current: 35.77% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.16%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.59% · Tier avg: 10.24%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
51
51th pctile
Total Loans
Current: $727.8M · Tier avg: $975.5M
41
41th pctile
Total Deposits
Current: $739.2M · Tier avg: $1.2B
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.63%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.46% · Tier avg: 83.06%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.69% · Tier avg: 21.05%
Top Weaknesses
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.69% · Tier avg: 21.05%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.46% · Tier avg: 83.06%
16
16th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
41
41th pctile
Total Deposits
Current: $739.2M · Tier avg: $1.2B
51
51th pctile
Total Loans
Current: $727.8M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.59% · Tier avg: 10.24%
91
91th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 35.77% · Tier avg: 62.63%