BlastPoint's Banking Scorecard
First Nebraska Bank
Valley, NE
15 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 +3.3% year over year ($329.9M on the books).
- Delinquency rate 0.24%.
- Return on assets 1.42%.
- Efficiency ratio 66.55% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.02% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Nebraska Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.51% above tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36.9% in tier
- - Efficiency Ratio 2.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$371.4M
+3.6% YoY
+2.9% QoQ
|
-$15.2M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$250.8M
+13.1% YoY
+4.6% QoQ
|
-$7.6M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$329.9M
+3.3% YoY
+2.8% QoQ
|
+$3.2M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.42%
+13.2% YoY
+17.5% QoQ
|
+0.10% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.50%
+5.3% YoY
+3.0% QoQ
|
+0.51% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
66.55%
-4.5% YoY
-3.8% QoQ
|
+2.07% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.24%
-42.9% YoY
+246.2% QoQ
|
-0.68% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
76.02%
+9.5% YoY
+1.7% QoQ
|
-1.93% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
16.47%
+5.7% YoY
+2.8% QoQ
|
-5.56% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.16%
-37.6% YoY
+251.8% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
10.32%
+1.7% YoY
-0.3% QoQ
|
-5.59% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.7% in tier |
| Non-Interest Income / Assets ? |
0.24%
-14.8% YoY
+103.7% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
16.5%
+0.9pp YoY +0.5pp QoQ |
-5.7pp | 22.1% | 17.6% | 22.2% | 29% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
-1.0pp YoY +0.5pp QoQ |
+1.1pp | 11.6% | 12.3% | 12.5% | 67% |
| CRE |
33.7%
+1.8pp YoY +1.2pp QoQ |
-5.9pp | 39.5% | 32.3% | 41.4% | 41% |
| 1-4 Family |
26.5%
+1.3pp YoY +0.2pp QoQ |
-6.1pp | 32.6% | 16.9% | 31.3% | 43% |
| Consumer |
1.1%
-0.4pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 3.1% | 5.0% | 31% |
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 |
10.3%
+0.2pp YoY 0.0pp QoQ |
-1.9pp | 12.2% | 12.1% | 12.6% | 38% |
| 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 |
72
+2 (+2.9%) YoY -1 (-1.4%) QoQ |
+13 | 58 | 98 | 482 | 72% |
| Assets per Employee ($) |
$5.2M
+0.7% YoY +4.3% QoQ |
-$2.4M | $7.5M | $8.5M | $8.8M | 17% |
| Branch Count |
15
0 YoY 0 QoQ |
+10 | 4 | 7 | 18 | 98% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 66% |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 7% |
| Allowance Coverage |
5.45x
+63.2% YoY -72.2% QoQ |
-18.71x | 24.15x | 31.69x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
+0.9pp YoY +2.3pp QoQ |
+3.0pp | 12.2% | 12.3% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.9% | 1.7% | 38% |
| Net Income ($, YTD) |
$2.6M
+16.9% YoY — QoQ |
+$11K | $2.6M | $6.1M | $40.4M | 63% |
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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.