BlastPoint's Banking Scorecard
First National Bank in Ord
Micro
Specialty: Agricultural
NE
FDIC cert 5460
Designations: ✓ Community bank
Ord, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
First National Bank in Ord demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.88% 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 ? |
$159.8M
+3.1% YoY
+2.0% QoQ
|
-$57.7M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$80.7M
-6.3% YoY
-1.5% QoQ
|
-$58.4M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$141.6M
+2.3% YoY
+2.4% QoQ
|
-$42.1M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.66%
-21.0% YoY
-14.6% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.06%
-9.5% YoY
-0.9% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
58.62%
+11.5% YoY
+12.0% QoQ
|
-9.11% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.08%
+187.7% YoY
|
-0.56% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
57.03%
-8.4% YoY
-3.8% QoQ
|
-17.50% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
28.48%
+0.8% YoY
+8.6% QoQ
|
+6.09% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.04%
+161.4% YoY
|
-0.41% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
22.73%
+22.6% YoY
+1.9% QoQ
|
+13.88% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.23%
-10.8% YoY
+14.3% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
22.73%
(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
91
91th pctile
Tier 1 Capital Ratio
Current: 22.73% · Tier avg: 8.85%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.03% · Tier avg: 74.53%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.48% · Tier avg: 22.39%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
71
71th pctile
Efficiency Ratio
Current: 58.62% · Tier avg: 67.73%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
43
43th pctile
Total Deposits
Current: $141.6M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $159.8M · Tier avg: $217.5M
34
34th pctile
Total Loans
Current: $80.7M · Tier avg: $139.2M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
34
34th pctile
Total Loans
Current: $80.7M · Tier avg: $139.2M
41
41th pctile
Total Assets
Current: $159.8M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $141.6M · Tier avg: $183.7M
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.62% · Tier avg: 67.73%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.48% · Tier avg: 22.39%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
80
80th pctile
Loan-to-Deposit Ratio
Current: 57.03% · Tier avg: 74.53%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
91
91th pctile
Tier 1 Capital Ratio
Current: 22.73% · Tier avg: 8.85%