BlastPoint's Banking Scorecard
The First National Bank of Johnson
Micro
Specialty: Agricultural
NE
FDIC cert 5422
Designations: ✓ Community bank
Johnson, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
The First National Bank of Johnson has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 32.09% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.82% below tier
- - Efficiency Ratio 21.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.3M
+3.2% YoY
+2.1% QoQ
|
-$124.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$32.4M
+2.5% YoY
+9.5% QoQ
|
-$106.8M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$76.3M
+4.6% YoY
+2.5% QoQ
|
-$107.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.23%
+428.9% YoY
-13.1% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.03%
+29.3% YoY
+4.3% QoQ
|
-1.82% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
88.94%
-16.6% YoY
+1.4% QoQ
|
+21.21% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
42.43%
-2.0% YoY
+6.8% QoQ
|
-32.09% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.93%
-2.9% YoY
+6.8% QoQ
|
+0.54% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+8.0% YoY
+39.1% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
42.43%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.94%
(Tier avg: 67.73%, National avg: 65.09%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Loan-to-Deposit Ratio
Current: 42.43% · Tier avg: 74.53%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.93% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
20
20th pctile
Total Assets
Current: $93.3M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.3M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $32.4M · Tier avg: $139.2M
10
10th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.94% · Tier avg: 67.73%
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.03% · Tier avg: 3.85%
10
10th pctile
Efficiency Ratio
Current: 88.94% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
12
12th pctile
Total Loans
Current: $32.4M · Tier avg: $139.2M
20
20th pctile
Total Deposits
Current: $76.3M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $93.3M · Tier avg: $217.5M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.93% · Tier avg: 22.39%
92
92th pctile
Loan-to-Deposit Ratio
Current: 42.43% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%