BlastPoint's Banking Scorecard
First Bank and Trust Company
Micro
Specialty: Agricultural
NE
FDIC cert 5438
Designations: ✓ Community bank
Minden, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First Bank and Trust Company faces 1 concern 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 2.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.6M
-2.6% YoY
-0.4% QoQ
|
-$123.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$48.2M
-3.1% YoY
-1.6% QoQ
|
-$90.9M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$69.2M
-6.3% YoY
+3.4% QoQ
|
-$114.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.91%
+87.3% YoY
-15.7% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.21%
+20.2% YoY
-0.5% QoQ
|
-0.65% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
76.27%
-7.1% YoY
+5.4% QoQ
|
+8.54% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
2.74%
+458.9% YoY
+112.1% QoQ
|
+2.10% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
69.69%
+3.5% YoY
-4.8% QoQ
|
-4.83% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
16.04%
+1.7% YoY
-3.4% QoQ
|
-6.35% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.41%
+456.5% YoY
+109.6% QoQ
|
+0.96% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
18.44%
+7.5% YoY
-1.4% QoQ
|
+9.59% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.41%
-4.3% YoY
+35.3% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 0.64%, National avg: 0.66%)
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
83
83th pctile
Tier 1 Capital Ratio
Current: 18.44% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.69% · Tier avg: 74.53%
56
56th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 16.04% · Tier avg: 22.39%
26
26th pctile
Efficiency Ratio
Current: 76.27% · Tier avg: 67.73%
23
23th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
20
20th pctile
Total Assets
Current: $93.6M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $48.2M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $69.2M · Tier avg: $183.7M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.74% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.74% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.45%
17
17th pctile
Total Deposits
Current: $69.2M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $48.2M · Tier avg: $139.2M
20
20th pctile
Total Assets
Current: $93.6M · Tier avg: $217.5M
23
23th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
26
26th pctile
Efficiency Ratio
Current: 76.27% · Tier avg: 67.73%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 16.04% · Tier avg: 22.39%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
56
56th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.69% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.44% · Tier avg: 8.85%