BlastPoint's Banking Scorecard
First Nebraska Bank
Valley, NE
15 branches across NE
First Nebraska Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.2% in tier
- - ROA 0.06% below tier average
- - Efficiency Ratio 3.86% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$361.0M
+1.8% YoY
+2.4% QoQ
|
-$25.0M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$239.9M
+6.8% YoY
-0.1% QoQ
|
-$15.9M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$320.9M
+1.4% YoY
+3.1% QoQ
|
-$7.1M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.21%
+2.8% YoY
-8.3% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
4.37%
+1.9% YoY
+0.9% QoQ
|
+0.44% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
69.15%
-2.4% YoY
+0.5% QoQ
|
+3.86% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.07%
-76.5% YoY
+20.9% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
74.75%
+5.3% YoY
-3.1% QoQ
|
-1.89% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
16.02%
-3.1% YoY
-1.9% QoQ
|
-6.00% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.05%
-75.4% YoY
+17.9% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.35%
+1.0% YoY
-1.6% QoQ
|
-5.48% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.5% in tier |
| Non-Interest Income / Assets ? |
0.12%
-14.7% YoY
-81.4% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
62% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.