BlastPoint's Banking Scorecard
First Northeast Bank of Nebraska
Micro
Specialty: Agricultural
NE
FDIC cert 5432
Designations: ✓ Community bank
Lyons, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First Northeast Bank of Nebraska demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.09% below 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 ? |
$480.7M
+3.3% YoY
-1.8% QoQ
|
+$263.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$194.2M
-5.4% YoY
+2.4% QoQ
|
+$55.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$333.6M
-5.4% YoY
-10.2% QoQ
|
+$149.9M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.44%
-7.8% YoY
-0.1% QoQ
|
+0.35% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.08%
-3.2% YoY
+0.2% QoQ
|
-0.78% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
45.64%
-2.2% YoY
-0.1% QoQ
|
-22.09% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.22%
+0.0% YoY
-6.5% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
58.21%
-0.0% YoY
+13.9% QoQ
|
-16.32% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.00%
+6.3% YoY
+12.7% QoQ
|
-2.39% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.09%
-8.4% YoY
-2.5% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
69% |
| 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 ? |
0.12%
-11.3% YoY
+40.8% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.64%
(Tier avg: 67.73%, National avg: 65.09%)
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
98
98th pctile
Total Assets
Current: $480.7M · Tier avg: $217.5M
95
95th pctile
Efficiency Ratio
Current: 45.64% · Tier avg: 67.73%
87
87th pctile
Total Deposits
Current: $333.6M · Tier avg: $183.7M
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.21% · Tier avg: 74.53%
72
72th pctile
Total Loans
Current: $194.2M · Tier avg: $139.2M
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.00% · Tier avg: 22.39%
18
18th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.00% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
72
72th pctile
Total Loans
Current: $194.2M · Tier avg: $139.2M
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.21% · Tier avg: 74.53%
87
87th pctile
Total Deposits
Current: $333.6M · Tier avg: $183.7M
95
95th pctile
Efficiency Ratio
Current: 45.64% · Tier avg: 67.73%
98
98th pctile
Total Assets
Current: $480.7M · Tier avg: $217.5M