BlastPoint's Banking Scorecard
Lincoln FSB of Nebraska
Micro
Specialty: Commercial
NE
FDIC cert 29692
Designations: ✓ Community bank
Lincoln, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Lincoln FSB of Nebraska has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.06% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Net Interest Margin 1.85% below tier
- - Efficiency Ratio 23.29% above tier
- - Non-Interest-Bearing Deposit Share 15.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$387.8M
+7.1% YoY
+4.5% QoQ
|
+$170.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$301.4M
+11.6% YoY
+5.8% QoQ
|
+$162.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$322.0M
+0.5% YoY
+1.3% QoQ
|
+$138.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
0.15%
+166.5% YoY
+71.4% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.00%
+70.9% YoY
+4.5% QoQ
|
-1.85% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
91.02%
-19.4% YoY
-1.5% QoQ
|
+23.29% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.47%
+58.3% YoY
+93.4% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
93.59%
+11.1% YoY
+4.4% QoQ
|
+19.06% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
6.66%
-4.8% YoY
-13.5% QoQ
|
-15.73% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+65.0% YoY
+95.9% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
18.39%
-10.4% YoY
-6.5% QoQ
|
+9.54% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
1.62%
+11.1% YoY
+28.7% QoQ
|
+1.06% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.62%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.15%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
91.02%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.66%
(Tier avg: 22.39%, National avg: 21.79%)
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
96
96th pctile
Non-Interest Income / Assets
Current: 1.62% · Tier avg: 0.56%
93
93th pctile
Total Loans
Current: $301.4M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $387.8M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $322.0M · Tier avg: $183.7M
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.59% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.39% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 91.02% · Tier avg: 67.73%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.66% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 2.00% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.00% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.66% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 91.02% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.15% · Tier avg: 1.08%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.39% · Tier avg: 8.85%
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.59% · Tier avg: 74.53%
85
85th pctile
Total Deposits
Current: $322.0M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $387.8M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $301.4M · Tier avg: $139.2M
96
96th pctile
Non-Interest Income / Assets
Current: 1.62% · Tier avg: 0.56%