BlastPoint's Banking Scorecard
First Central Bank McCook
Micro
Specialty: Agricultural
NE
FDIC cert 34995
Designations: ✓ Community bank
Mccook, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First Central Bank McCook faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.90% above tier
- - Nonperforming Asset Ratio 4.02% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$127.3M
-2.3% YoY
+4.0% QoQ
|
-$90.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$87.0M
-8.1% YoY
-1.1% QoQ
|
-$52.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$108.8M
-0.8% YoY
+6.4% QoQ
|
-$74.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.56%
+199.7% YoY
|
-0.53% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.97%
-13.1% YoY
+3.0% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
69.01%
-39.4% YoY
-17.6% QoQ
|
+1.28% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
6.54%
+9.0% YoY
-22.6% QoQ
|
+5.90% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.93%
-7.4% YoY
-7.0% QoQ
|
+5.40% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
15.60%
+2.6% YoY
+15.4% QoQ
|
-6.80% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
4.47%
-9.3% YoY
-26.4% QoQ
|
+4.02% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.69%
+23.7% YoY
+9.9% QoQ
|
+4.83% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.16%
+4.4% YoY
+42.9% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.54%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.47%
(Tier avg: 0.45%, 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
67
67th pctile
Tier 1 Capital Ratio
Current: 13.69% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.93% · Tier avg: 74.53%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
42
42th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $87.0M · Tier avg: $139.2M
31
31th pctile
Total Deposits
Current: $108.8M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $127.3M · Tier avg: $217.5M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.60% · Tier avg: 22.39%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 6.54% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.47% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.47% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.54% · Tier avg: 0.64%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.60% · Tier avg: 22.39%
31
31th pctile
Total Assets
Current: $127.3M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $108.8M · Tier avg: $183.7M
37
37th pctile
Total Loans
Current: $87.0M · Tier avg: $139.2M
42
42th pctile
Efficiency Ratio
Current: 69.01% · Tier avg: 67.73%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.93% · Tier avg: 74.53%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.69% · Tier avg: 8.85%