BlastPoint's Banking Scorecard
First Central Bank
Cambridge, NE
3 branches across NE
First Central Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio 4.34% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 32.2% in tier
- - Deposit Outflow: Bottom 48.6% in tier
- - Delinquency Rate 2.92% above tier average
- - Nonperforming Asset Ratio 2.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.6M
-1.9% YoY
-4.7% QoQ
|
-$248.5M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.4% in tier |
| Total Loans ? |
$99.2M
-5.1% YoY
-3.2% QoQ
|
-$156.6M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$116.0M
-2.8% YoY
-2.6% QoQ
|
-$212.0M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.7% in tier |
| Return on Assets ? |
1.27%
+290.8% YoY
+32.6% QoQ
|
+0.00% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.29%
+4.7% YoY
-3.4% QoQ
|
+0.36% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
60.95%
-30.5% YoY
-4.5% QoQ
|
-4.34% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
3.81%
-42.0% YoY
-24.4% QoQ
|
+2.92% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.6% in tier |
| Loan-to-Deposit Ratio ? |
85.52%
-2.4% YoY
-0.6% QoQ
|
+8.88% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
19.13%
+0.4% YoY
+3.1% QoQ
|
-2.89% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
2.94%
-42.8% YoY
-21.8% QoQ
|
+2.31% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.2% in tier |
| Tier 1 Capital Ratio ? |
13.77%
+13.9% YoY
+2.7% QoQ
|
-2.06% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.15%
+22.6% YoY
-67.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
72% |
Get Full Access to First Central Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.