BlastPoint's Banking Scorecard
First Bank of Utica
Designations: ✓ Community bank
Utica, NE
4 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits -0.1% year over year ($62.4M on the books).
- Delinquency rate 0.64%.
- Return on assets 0.63%.
- Efficiency ratio 80.53% vs a 119.40% peer average.
- Loan-to-deposit ratio 93.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank of Utica has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 38.87% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.4M
+0.0% YoY
-0.9% QoQ
|
+$14.9M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$58.3M
-1.0% YoY
+5.7% QoQ
|
+$23.5M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
85% |
| Total Deposits ? |
$62.4M
-0.1% YoY
-1.4% QoQ
|
+$10.8M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
0.63%
-22.4% YoY
+27.0% QoQ
|
-0.37% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
4.40%
-2.6% YoY
+4.3% QoQ
|
+0.49% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
80.53%
+6.4% YoY
-4.4% QoQ
|
-38.87% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.64%
-44.6% YoY
-28.3% QoQ
|
-0.84% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
93.44%
-0.9% YoY
+7.2% QoQ
|
+19.23% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 13.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.83%
-8.4% YoY
-11.3% QoQ
|
-6.66% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.48%
-45.2% YoY
-23.5% QoQ
|
-0.35% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
14.27%
+2.9% YoY
+1.1% QoQ
|
-12.86% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.06%
-6.3% YoY
+167.1% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
21% |
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 |
16.8%
-1.5pp YoY -2.1pp QoQ |
-7.8pp | 24.6% | 17.6% | 22.2% | 25% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.8pp | 9.8% | 8.9% | 8.5% | 4% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.0%
-1.8pp YoY -1.1pp QoQ |
-2.4pp | 13.4% | 12.3% | 12.5% | 54% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
9.2%
+1.0pp YoY +0.1pp QoQ |
-25.8pp | 35.0% | 16.9% | 31.3% | 20% |
| Consumer |
6.6%
-0.6pp YoY -0.4pp QoQ |
-1.1pp | 7.7% | 3.1% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
14.3%
+0.4pp YoY +0.1pp QoQ |
-3.4pp | 17.7% | 12.1% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
+1 | 12 | 98 | 482 | 62% |
| Assets per Employee ($) |
$6.0M
0.0% YoY -0.9% QoQ |
-$236K | $6.2M | $8.5M | $8.8M | 49% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 7 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.5pp YoY -0.3pp QoQ |
-1.1pp | 1.7% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
2.89x
+79.0% YoY +28.9% QoQ |
-3.52x | 6.41x | 31.69x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.5%
-1.2pp YoY +0.9pp QoQ |
-1.9pp | 6.4% | 12.3% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.9% | 1.7% | 63% |
| Net Income ($, YTD) |
$247,000
-18.5% YoY — QoQ |
-$71K | $317,817 | $6.1M | $40.4M | 43% |
Get Full Access to First Bank of Utica
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.