BlastPoint's Banking Scorecard
First State Bank Nebraska
Designations: ✓ Community bank
Lincoln, NE
19 branches across NE
First State Bank Nebraska has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11.4% in tier
- + ROA 0.09% above tier average
- + Efficiency Ratio 6.34% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.2% in tier
- - Liquidity Strain: Bottom 33.8% in tier
- - Credit Risk Growth: Bottom 47.1% in tier
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+4.1% YoY
-1.1% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.6% in tier |
| Total Loans ? |
$874.7M
+9.3% YoY
-0.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$969.7M
+7.3% YoY
+1.8% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.7% in tier |
| Return on Assets ? |
1.45%
+14.8% YoY
+4.5% QoQ
|
+0.09% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
3.49%
+13.0% YoY
+5.7% QoQ
|
-0.33% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
54.72%
-1.7% YoY
-0.7% QoQ
|
-6.34% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
0.13%
+411.7% YoY
+10.0% QoQ
|
-0.75% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Top 14.7% in tier |
| Loan-to-Deposit Ratio ? |
90.20%
+1.9% YoY
-2.0% QoQ
|
+6.00% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
11.09%
+2.3% YoY
-1.4% QoQ
|
-10.20% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.5% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+437.3% YoY
+10.9% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Top 14.9% in tier |
| Tier 1 Capital Ratio ? |
11.63%
+1.1% YoY
+1.1% QoQ
|
-3.53% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.06%
+3.6% YoY
-77.0% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.7% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.