BlastPoint's Banking Scorecard
FirstBank of Nebraska
Micro
Specialty: Agricultural
NE
FDIC cert 5486
Designations: ✓ Community bank
Wahoo, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
FirstBank of Nebraska demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.36% 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 ? |
$475.8M
+3.5% YoY
+0.5% QoQ
|
+$258.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$227.2M
+5.8% YoY
-0.8% QoQ
|
+$88.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$348.6M
-1.0% YoY
-1.6% QoQ
|
+$165.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.64%
+23.6% YoY
+0.4% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
2.85%
+13.8% YoY
+1.1% QoQ
|
-1.00% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
44.37%
-8.5% YoY
+0.8% QoQ
|
-23.36% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.40%
+411.3% YoY
-7.7% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
65.17%
+6.9% YoY
+0.8% QoQ
|
-9.35% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
25.13%
-0.9% YoY
+4.6% QoQ
|
+2.74% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.19%
+422.8% YoY
-8.9% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
57% |
| 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 ? |
0.27%
-8.8% YoY
+34.7% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.37%
(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
97
97th pctile
Total Assets
Current: $475.8M · Tier avg: $217.5M
96
96th pctile
Efficiency Ratio
Current: 44.37% · Tier avg: 67.73%
90
90th pctile
Total Deposits
Current: $348.6M · Tier avg: $183.7M
81
81th pctile
Total Loans
Current: $227.2M · Tier avg: $139.2M
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.13% · Tier avg: 22.39%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
31
31th pctile
Loan-to-Deposit Ratio
Current: 65.17% · Tier avg: 74.53%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
Top Weaknesses
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
31
31th pctile
Loan-to-Deposit Ratio
Current: 65.17% · Tier avg: 74.53%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.13% · Tier avg: 22.39%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
81
81th pctile
Total Loans
Current: $227.2M · Tier avg: $139.2M
90
90th pctile
Total Deposits
Current: $348.6M · Tier avg: $183.7M
96
96th pctile
Efficiency Ratio
Current: 44.37% · Tier avg: 67.73%
97
97th pctile
Total Assets
Current: $475.8M · Tier avg: $217.5M