BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 12244

Farnam, NE

5 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 +14.6% year over year ($121.3M on the books).
Delinquency rate 0.34%.
Return on assets 1.63%.
Efficiency ratio 56.65% vs a 64.48% peer average.
Loan-to-deposit ratio 79.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

First State Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 46.9% in tier
+ ROA 0.31% above tier average
+ Efficiency Ratio 7.83% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.85% below tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$199.5M +7.5% YoY -1.1% QoQ	-$187.1M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$96.9M -0.3% YoY +0.7% QoQ	-$161.4M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$121.3M +14.6% YoY -3.4% QoQ	-$205.4M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 12.3% in tier
Return on Assets ?	1.63% +21.3% YoY +5.4% QoQ	+0.31%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	3.14% +10.3% YoY +1.0% QoQ	-0.85%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	Bottom 14.0% in tier
Efficiency Ratio ?	56.65% -9.5% YoY -0.3% QoQ	-7.83%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.34% -47.5% YoY -85.2% QoQ	-0.58%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	79.89% -13.0% YoY +4.3% QoQ	+1.94%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	24.96% +9.2% YoY +10.1% QoQ	+2.93%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.16% -51.3% YoY -84.9% QoQ	-0.50%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	11.94% -6.1% YoY +1.5% QoQ	-3.97%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.44% -2.3% YoY +95.7% QoQ	-0.13%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Top 11.8% in tier

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	25.0% +2.1pp YoY +2.3pp QoQ	+2.8pp	22.1%	17.6%	22.2%	66%
Brokered Deposits	19.7% +4.5pp YoY +3.2pp QoQ	+11.9pp	7.9%	8.9%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	7.8% -3.7pp YoY -1.9pp QoQ	-3.7pp	11.6%	12.3%	12.5%	39%
CRE	n/a	n/a	39.5%	32.3%	41.4%	n/a
1-4 Family	14.1% +0.7pp YoY +0.6pp QoQ	-18.6pp	32.6%	16.9%	31.3%	18%
Consumer	5.7% -0.6pp YoY -0.2pp QoQ	+1.6pp	4.1%	3.1%	5.0%	81%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.1%	19.7%	n/a
Leverage Ratio	11.9% -0.8pp YoY +0.2pp QoQ	-0.2pp	12.2%	12.1%	12.6%	64%
Total Capital Ratio	n/a	n/a	19.9%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	30 0 YoY 0 QoQ	-29	58	98	482	26%
Assets per Employee ($)	$6.7M +7.5% YoY -1.1% QoQ	-$868K	$7.5M	$8.5M	$8.8M	46%
Branch Count	5 0 YoY 0 QoQ	0	4	7	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -1.9pp QoQ	-0.3pp	0.3%	0.4%	0.4%	32%
Nonaccrual	0.3% -0.2pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	39%
Allowance Coverage	4.80x +94.4% YoY +555.5% QoQ	-19.36x	24.15x	31.69x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	13.6% +2.2pp YoY +0.8pp QoQ	+1.4pp	12.2%	12.3%	11.6%	60%
Cost of Funds (YTD)	2.3% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.9%	1.7%	83%
Net Income ($, YTD)	$1.7M +30.1% YoY — QoQ	-$902K	$2.6M	$6.1M	$40.4M	45%

Get Full Access to First State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#311 of 661 • Top 46.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.44%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.63%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

313

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#313 of 2643 Top 11.8% in $100M-$1B

Top Weaknesses (3 metrics)

2318

Total Deposits

size

Value: $121.33M

Peer Median: $326.73M

#2318 of 2643 Bottom 12.3% in $100M-$1B

2275

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.99%

#2275 of 2643 Bottom 14.0% in $100M-$1B

2175

Total Loans

size

Value: $96.93M

Peer Median: $258.35M

#2175 of 2643 Bottom 17.7% in $100M-$1B