BlastPoint's Banking Scorecard

I3 Bank

Micro Specialty: Commercial NE FDIC cert 8595

Designations: ✓ Community bank

Bennington, NE

2498 banks in Micro tier nationally 97 in NE

View Micro leaderboard (NE) →

I3 Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 ?	$218.1M +8.3% YoY +1.3% QoQ	+$580K	$217.5M +2.3% YoY	$784.0M +6.0% YoY	$5.9B +6.5% YoY	55%
Total Loans ?	$169.5M +10.5% YoY +1.6% QoQ	+$30.4M	$139.2M +2.8% YoY	$552.2M +6.8% YoY	$3.1B +8.5% YoY	66%
Total Deposits ?	$172.3M -5.2% YoY -6.6% QoQ	-$11.4M	$183.7M +1.8% YoY	$649.0M +5.0% YoY	$4.7B +6.3% YoY	52%
Return on Assets ?	0.60% -43.2% YoY +26.5% QoQ	-0.48%	1.08% +14.7% YoY	1.20% +15.2% YoY	1.12% +15.6% YoY	22%
Net Interest Margin ?	4.81% +21.9% YoY +1.1% QoQ	+0.96%	3.85% +6.6% YoY	3.74% +7.8% YoY	3.75% +7.1% YoY	Top 13% in tier
Efficiency Ratio ?	73.71% +10.0% YoY -2.2% QoQ	+5.99%	67.73% -4.8% YoY	61.59% -6.3% YoY	65.09% -5.1% YoY	32%
Delinquency Rate ?	1.56% -47.6% YoY -3.4% QoQ	+0.92%	0.64% +24.4% YoY	0.29% +38.1% YoY	0.66% +20.3% YoY	18%
Loan-to-Deposit Ratio ?	98.40% +16.6% YoY +8.7% QoQ	+23.88%	74.53% +0.5% YoY	82.86% +0.3% YoY	78.04% +0.7% YoY	Bottom 11% in tier
Non-Interest-Bearing Deposit Share ?	25.38% -10.7% YoY -15.0% QoQ	+2.98%	22.39% -1.3% YoY	18.22% -2.1% YoY	21.79% -1.3% YoY	64%
Nonperforming Asset Ratio ?	1.22% -46.5% YoY -3.1% QoQ	+0.76%	0.45% +25.1% YoY	0.26% +54.6% YoY	0.48% +20.8% YoY	15%
Tier 1 Capital Ratio ?	10.55% -3.7% YoY +1.5% QoQ	+1.70%	8.85% -3.4% YoY	6.79% +0.2% YoY	9.75% -1.9% YoY	53%
Non-Interest Income / Assets ?	0.46% -77.6% YoY +48.1% QoQ	-0.10%	0.56% +0.3% YoY	0.47% -3.0% YoY	0.65% +0.6% YoY	65%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Net Interest Margin

Current: 4.81% · Tier avg: 3.85%

87th pctile

Total Loans

Current: $169.5M · Tier avg: $139.2M

66th pctile

Non-Interest Income / Assets

Current: 0.46% · Tier avg: 0.56%

65th pctile

Non-Interest-Bearing Deposit Share

Current: 25.38% · Tier avg: 22.39%

64th pctile

Total Assets

Current: $218.1M · Tier avg: $217.5M

55th pctile

Tier 1 Capital Ratio

Current: 10.55% · Tier avg: 8.85%

53th pctile

Total Deposits

Current: $172.3M · Tier avg: $183.7M

52th pctile

Efficiency Ratio

Current: 73.71% · Tier avg: 67.73%

32th pctile

Return on Assets

Current: 0.60% · Tier avg: 1.08%

22th pctile

Delinquency Rate

Current: 1.56% · Tier avg: 0.64%

18th pctile

Nonperforming Asset Ratio

Current: 1.22% · Tier avg: 0.45%

15th pctile

Loan-to-Deposit Ratio

Current: 98.40% · Tier avg: 74.53%

11th pctile

Top Weaknesses