BlastPoint's Banking Scorecard
First Central Bank
Cambridge, NE
3 branches across NE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits -2.5% year over year ($117.7M on the books).
- Delinquency rate 3.52%.
- Return on assets 1.34%.
- Efficiency ratio 62.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Central Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Efficiency Ratio 1.62% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.60% above tier average
- - Nonperforming Asset Ratio 2.16% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.8M
-3.2% YoY
+0.1% QoQ
|
-$248.8M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.5% in tier |
| Total Loans ? |
$105.2M
-1.0% YoY
+6.0% QoQ
|
-$153.2M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$117.7M
-2.5% YoY
+1.5% QoQ
|
-$209.0M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.0% in tier |
| Return on Assets ? |
1.34%
+4.9% QoQ
|
+0.01% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.21%
+2.1% YoY
-1.8% QoQ
|
+0.23% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
62.86%
-20.9% YoY
+3.1% QoQ
|
-1.62% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
3.52%
-49.4% YoY
-7.7% QoQ
|
+2.60% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.6% in tier |
| Loan-to-Deposit Ratio ? |
89.34%
+1.6% YoY
+4.5% QoQ
|
+11.38% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
18.90%
+5.1% YoY
-1.2% QoQ
|
-3.13% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
2.83%
-50.0% YoY
-3.7% QoQ
|
+2.16% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.8% in tier |
| Tier 1 Capital Ratio ? |
13.77%
+11.6% YoY
-0.0% QoQ
|
-2.14% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.31%
+62.6% YoY
+114.1% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
74% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.9%
+0.9pp YoY -0.2pp QoQ |
-3.3pp | 22.1% | 17.6% | 22.2% | 40% |
| Brokered Deposits |
13.2%
-6.2pp YoY -1.0pp QoQ |
+5.3pp | 7.9% | 8.9% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.4%
-6.5pp YoY -2.8pp QoQ |
+3.9pp | 11.6% | 12.3% | 12.5% | 78% |
| CRE |
9.3%
-0.1pp YoY -0.2pp QoQ |
-30.3pp | 39.5% | 32.3% | 41.4% | 4% |
| 1-4 Family |
5.8%
+1.2pp YoY -0.1pp QoQ |
-26.9pp | 32.6% | 16.9% | 31.3% | 6% |
| Consumer |
3.9%
0.0pp YoY -0.2pp QoQ |
-0.2pp | 4.1% | 3.1% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+1.4pp YoY 0.0pp QoQ |
-5.1pp | 18.8% | 16.1% | 19.7% | 37% |
| Leverage Ratio |
11.6%
+1.0pp YoY +0.2pp QoQ |
-0.6pp | 12.2% | 12.1% | 12.6% | 59% |
| Total Capital Ratio |
15.0%
+1.6pp YoY 0.0pp QoQ |
-4.9pp | 19.9% | 17.3% | 20.8% | 38% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
0 YoY +1 (+4.2%) QoQ |
-34 | 58 | 98 | 482 | 19% |
| Assets per Employee ($) |
$5.5M
-3.2% YoY -3.9% QoQ |
-$2.0M | $7.5M | $8.5M | $8.8M | 23% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
3.5%
-3.3pp YoY -0.3pp QoQ |
+2.6pp | 0.9% | 0.8% | 1.0% | 96% |
| Allowance Coverage |
0.38x
+120.5% YoY +3.3% QoQ |
-23.78x | 24.15x | 31.69x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
-0.1%
-2.4pp YoY +0.1pp QoQ |
-0.3pp | 0.1% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
+0.4pp QoQ |
-0.4pp | 12.2% | 12.3% | 11.6% | 49% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.9% | 1.7% | 70% |
| Net Income ($, YTD) |
$935,000
— QoQ |
-$1.6M | $2.6M | $6.1M | $40.4M | 25% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.