BlastPoint's Banking Scorecard
The First National Bank of Gordon
Micro
Specialty: Agricultural
NE
FDIC cert 5410
Designations: ✓ Community bank
Gordon, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
The First National Bank of Gordon shows strong momentum with 4 strengths and 9.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.92% above tier
- + Efficiency Ratio 30.41% below tier
- + Loan-to-Deposit Ratio 40.11% below tier
- + Tier 1 Capital Ratio 27.92% above 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 ? |
$364.1M
+9.1% YoY
-1.8% QoQ
|
+$146.6M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$107.6M
-6.2% YoY
+1.1% QoQ
|
-$31.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$312.7M
+8.8% YoY
-2.8% QoQ
|
+$129.1M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
3.01%
-0.9% YoY
-3.5% QoQ
|
+1.92% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.65%
+2.8% YoY
+1.1% QoQ
|
+0.79% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
37.31%
+3.0% YoY
+8.2% QoQ
|
-30.41% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.27%
+26.1% YoY
-1.8% QoQ
|
+0.63% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
34.42%
-13.7% YoY
+4.0% QoQ
|
-40.11% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.26%
+13.4% YoY
+14.3% QoQ
|
+0.87% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.38%
+4.7% YoY
-2.5% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
36.78%
+19.9% YoY
+6.4% QoQ
|
+27.92% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.53%
-32.8% YoY
+24.4% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.01%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.31%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
34.42%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
36.78%
(Tier avg: 8.85%, National avg: 9.75%)
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
99
99th pctile
Efficiency Ratio
Current: 37.31% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.01% · Tier avg: 1.08%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.78% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.42% · Tier avg: 74.53%
83
83th pctile
Total Deposits
Current: $312.7M · Tier avg: $183.7M
83
83th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.85%
83
83th pctile
Total Assets
Current: $364.1M · Tier avg: $217.5M
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.26% · Tier avg: 22.39%
46
46th pctile
Total Loans
Current: $107.6M · Tier avg: $139.2M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.64%
Top Weaknesses
23
23th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
46
46th pctile
Total Loans
Current: $107.6M · Tier avg: $139.2M
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.26% · Tier avg: 22.39%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
83
83th pctile
Total Assets
Current: $364.1M · Tier avg: $217.5M
83
83th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.85%
83
83th pctile
Total Deposits
Current: $312.7M · Tier avg: $183.7M
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.42% · Tier avg: 74.53%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.78% · Tier avg: 8.85%
99
99th pctile
Return on Assets
Current: 3.01% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 37.31% · Tier avg: 67.73%