BlastPoint's Banking Scorecard

First Bank of Utica

under $100M Specialty: Agricultural NE FDIC cert 14281

Designations: ✓ Community bank

Utica, NE

4 branches across NE

541 banks in the under $100M peer group nationally 35 in NE

First Bank of Utica has 3 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

+ Net Interest Margin 0.36% above tier average
+ Efficiency Ratio 4.11% below tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- ROA 0.34% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$78.1M +1.9% YoY -2.8% QoQ	+$15.9M	$62.2M -0.6% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$55.2M -2.0% YoY -7.7% QoQ	+$21.0M	$34.2M -1.4% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$63.4M +2.5% YoY -3.1% QoQ	+$11.6M	$51.7M -0.7% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	0.50% -30.5% YoY -48.6% QoQ	-0.34%	0.84% -2.3% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	4.22% -3.9% YoY -9.3% QoQ	+0.36%	3.86% +2.8% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	84.23% +7.9% YoY +17.3% QoQ	-4.11%	88.34% +0.3% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.89% +36.4% YoY +92.5% QoQ	-0.48%	1.37% +33.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	87.14% -4.4% YoY -4.8% QoQ	+22.92%	64.22% -0.7% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	18.98% -6.9% YoY +4.3% QoQ	-4.74%	23.71% +0.3% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.63% +31.2% YoY +82.7% QoQ	-0.16%	0.79% +28.2% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	14.12% -0.2% YoY -4.4% QoQ	-12.56%	26.68% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.02% -24.2% YoY -81.2% QoQ	-0.64%	0.67% +1.9% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (1 metrics)

Total Loans

size

Value: $55.20M

Peer Median: $34.25M

#88 of 541 Top 16.1% in under $100M

Top Weaknesses (2 metrics)

457

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#457 of 541 Bottom 15.7% in under $100M

443

Loan-to-Deposit Ratio

liquidity

Value: 87.14%

Peer Median: 64.22%

#443 of 541 Bottom 18.3% in under $100M